BlastPoint's Banking Scorecard
First Federal Savings Bank
Micro
Specialty: Mortgage
IL
FDIC cert 28924
Designations: ✓ Community bank ✓ Mutual
Ottawa, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Federal Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.08% below tier
- - Non-Interest-Bearing Deposit Share 14.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$422.7M
+2.0% YoY
+1.0% QoQ
|
+$205.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$283.9M
-1.9% YoY
+0.6% QoQ
|
+$144.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$327.1M
+1.9% YoY
+1.3% QoQ
|
+$143.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.21%
+11.4% QoQ
|
-0.88% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.77%
+7.4% YoY
+1.4% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
88.59%
-11.6% YoY
-1.1% QoQ
|
+20.86% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.60%
+45.1% YoY
+56.8% QoQ
|
+0.96% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
86.77%
-3.8% YoY
-0.7% QoQ
|
+12.25% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
7.72%
+4.9% YoY
+8.3% QoQ
|
-14.68% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
1.07%
+39.5% YoY
+56.2% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
+0.3% YoY
+28.7% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.72%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Assets
Current: $422.7M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $283.9M · Tier avg: $139.2M
86
86th pctile
Total Deposits
Current: $327.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.77% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.60% · Tier avg: 0.64%
10
10th pctile
Efficiency Ratio
Current: 88.59% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.72% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.72% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.59% · Tier avg: 67.73%
17
17th pctile
Delinquency Rate
Current: 1.60% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.77% · Tier avg: 74.53%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Total Deposits
Current: $327.1M · Tier avg: $183.7M
90
90th pctile
Total Loans
Current: $283.9M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $422.7M · Tier avg: $217.5M