First Federal Savings Bank (FDIC #28924): Bank Stress & Real-Estate Credit Exposure

First Federal Savings Bank (FDIC Cert #28924): bank stress 80/100, severe, STABLE over 7 days.

First Federal Savings Bank (#28924) lends in 7 counties across 1 state; First Federal Savings Bank (#28924) reaches 173 ZIP codes: Illinois 7 counties, 173 ZIPs.

First Federal Savings Bank (#28924) largest markets: Will County, IL (45 branches, 45 ZIPs) (#28924), Kane County, IL (34 branches, 34 ZIPs) (#28924), Bureau County, IL (31 branches, 31 ZIPs) (#28924), Lasalle County, IL (145 branches, 29 ZIPs) (#28924), Lee County, IL (24 branches, 24 ZIPs) (#28924), Grundy County, IL (16 branches, 16 ZIPs) (#28924).

First Federal Savings Bank (#28924) reports $421.9 million in total assets; First Federal Savings Bank (#28924) equity $45.4 million (10.8% of First Federal Savings Bank (#28924) assets); First Federal Savings Bank (#28924) domestic deposits $325.2 million; First Federal Savings Bank (#28924) net income $849,000; First Federal Savings Bank (#28924) return on assets 0.40%; First Federal Savings Bank (#28924) return on equity 3.78%; First Federal Savings Bank (#28924) net interest income $6.2 million; First Federal Savings Bank (#28924) call report June 30, 2026.

First Federal Savings Bank (#28924) noncurrent real-estate loans: none reported; First Federal Savings Bank (#28924) net charge-offs on real estate 1.11%; First Federal Savings Bank (#28924) residential charge-offs 1.86%.

First Federal Savings Bank (#28924) net interest margin 3.11% against an eight-quarter First Federal Savings Bank (#28924) average of 2.74% (First Federal Savings Bank (#28924) compression -0.37 points); First Federal Savings Bank (#28924) non-residential real estate 185.9% of equity; First Federal Savings Bank (#28924) rate-exposure score 40/100, First Federal Savings Bank (#28924) fixed-rate trap 40/100; First Federal Savings Bank (#28924) risk type credit driven; First Federal Savings Bank (#28924) rate regime rates elevated, First Federal Savings Bank (#28924) snapshot October 19, 2026.

First Federal Savings Bank (#28924) stress score moved from 80.1 on June 22, 2026 to 79.8 on October 19, 2026; First Federal Savings Bank (#28924) ranged 79.8 to 80.1 over 116 snapshots.

First Federal Savings Bank (#28924) alerts: 7 counties; top First Federal Savings Bank (#28924) alert scores: Amboy County, IL 26 (low); Elgin County, IL 26 (low); Morris County, IL 26 (low); Rock Falls County, IL 26 (low); Shorewood County, IL 26 (low).