BlastPoint's Banking Scorecard
First Federal Savings and Loan Association of Central Illinois, S.B.
Micro
Specialty: Commercial
IL
FDIC cert 29645
Designations: ✓ Community bank ✓ Mutual
Shelbyville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Federal Savings and Loan Association of Central Illinois, S.B. shows strong momentum with 1 strength and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.67% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.1M
+5.8% YoY
+1.4% QoQ
|
+$7.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$161.7M
+11.1% YoY
+1.8% QoQ
|
+$22.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$188.2M
+3.1% YoY
+0.4% QoQ
|
+$4.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.14%
+7.0% YoY
+5.3% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.26%
+9.0% YoY
+2.5% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
63.82%
-3.1% YoY
+1.7% QoQ
|
-3.91% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.59%
+23.1% YoY
+33.6% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
85.92%
+7.8% YoY
+1.4% QoQ
|
+11.39% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
11.33%
+3.1% YoY
+9.5% QoQ
|
-11.06% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.57%
-6.3% YoY
+29.7% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.62%
-5.2% YoY
+1.1% QoQ
|
+4.76% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
1.24%
+22.3% YoY
+37.3% QoQ
|
+0.67% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.24%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
95
95th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.62% · Tier avg: 8.85%
64
64th pctile
Total Loans
Current: $161.7M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $225.1M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $188.2M · Tier avg: $183.7M
56
56th pctile
Efficiency Ratio
Current: 63.82% · Tier avg: 67.73%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.92% · Tier avg: 74.53%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.33% · Tier avg: 22.39%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.33% · Tier avg: 22.39%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.92% · Tier avg: 74.53%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
56
56th pctile
Efficiency Ratio
Current: 63.82% · Tier avg: 67.73%
57
57th pctile
Total Deposits
Current: $188.2M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $225.1M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $161.7M · Tier avg: $139.2M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.62% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
95
95th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%