Side-by-side · Q2 2026 data
Philo Exchange Bank vs First Federal Savings Bank of Champaign Urbana
Bank
First Federal Savings Bank of Champaign Urbana
Champaign, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Philo Exchange Bank | First Federal Savings Bank of Champaign Urbana |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 52 | 77 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 60 | 97 (stronger) |
| Funding & liquidity | 90 (stronger) | 89 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 95th |
| Total assets | $156.6M | $192.5M |
| Deposits / shares | $130.3M | $163.6M |
| Capital ratio | 10.18% | 12.71% (stronger) |
| Problem loans | 0.02% (stronger) | 0.09% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.01% | 1.92% (stronger) |
| Loans ÷ deposits | 67.6% (stronger) | 70.9% |
| Uninsured deposits | 17.5% | 13.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.9% |
First Federal Savings Bank of Champaign Urbana has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Philo Exchange Bank leads on 2 and First Federal Savings Bank of Champaign Urbana on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.