Total Assets
$198M
Total balance-sheet footings
FDIC Cert #28445 · Champaign, Illinois · Est. 1908
First Federal Savings Bank of Champaign Urbana - FDIC Bank Health Profile
A community-scale look at First Federal Savings Bank of Champaign Urbana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $198M
- Total assets
- A
- Health grade · Excellent
- 1.79%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings Bank of Champaign Urbana earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.83% Tier 1, profitable at 1.79% ROA, 65% efficiency ratio.
- #3,020
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 12.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Federal Savings Bank of Champaign Urbana's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings Bank of Champaign Urbana's composite health score
Tier 1 Capital Ratio (12.83%) 35/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (0.53%) 20/20
Efficiency Ratio (65.40%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$171M
Customer-funded liabilities
Net Loans
$110M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings Bank of Champaign Urbana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings Bank of Champaign Urbana's score of 88/100 falls in the highlighted band.
First Federal Savings Bank of Champaign Urbana's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings Bank of Champaign Urbana's $198M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.83%
Texas Ratio
0.53%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
14.36%
Efficiency Ratio
65.40%
What the numbers say about First Federal Savings Bank of Champaign Urbana
First Federal Savings Bank of Champaign Urbana is an FDIC-insured institution (Certificate #28445) headquartered in Champaign, Illinois, established in 1908. It holds $198M in total assets - 3,020th of 4,313 FDIC-insured banks, $171M in customer deposits, and $110M in net loans. On safety, its Tier 1 capital ratio of 12.83% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.53% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First Federal Savings Bank of Champaign Urbana ranks 199th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$10M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings Bank of Champaign Urbana reports a Texas Ratio of 0.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings Bank of Champaign Urbana (FDIC Cert #28445) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is First Federal Savings Bank of Champaign Urbana's health grade?▼
First Federal Savings Bank of Champaign Urbana receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Federal Savings Bank of Champaign Urbana?▼
First Federal Savings Bank of Champaign Urbana holds $198M in total assets and $171M in deposits, ranking 3,020th of 4,313 FDIC-insured banks by asset size. It is headquartered in Champaign, Illinois.
Is my money safe at First Federal Savings Bank of Champaign Urbana?▼
Yes, deposits at First Federal Savings Bank of Champaign Urbana (Certificate #28445) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings Bank of Champaign Urbana's Tier 1 Capital Ratio?▼
First Federal Savings Bank of Champaign Urbana has a Tier 1 Capital Ratio of 12.83%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Federal Savings Bank of Champaign Urbana?▼
First Federal Savings Bank of Champaign Urbana has a Texas Ratio of 0.53%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings Bank of Champaign Urbana?▼
First Federal Savings Bank of Champaign Urbana has an Efficiency Ratio of 65.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings Bank of Champaign Urbana's profile as a depositor or analyst.
- First Federal Savings Bank of Champaign Urbana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings Bank of Champaign Urbana against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.