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Central Bank Illinois
Geneseo, IL · FDIC Certificate #11670 · Chartered 02/0
Total assets
$1.46B
Total deposits
$1.12B
Total equity
$152.00M
Net loans
$999.07M
Branches (offices)
10
Net income (YTD)
$7.09M
Rank: #759 of 4,213 U.S. banks by assets · #46 of 322 in Illinois. Assets changed 5.9% and deposits 10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.50% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 10.39% |
| Tier 1 leverage ratio | 10.39% |
| Uninsured deposits (share of deposits) | 9.9% |
| Noncurrent loans (share of loans) | 1.85% |
| Net charge-offs (share of loans) | 0.75% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $858.47M | 85.9% | |
| Commercial & industrial | $78.45M | 7.9% | |
| Consumer / individual | $4.92M | 0.5% | |
| Construction & development | $91.42M | 9.2% | |
| Agricultural | $67.07M | 6.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.22B | $1.02B | $6.45M | $99.28M |
| Jun 2023 | $1.27B | $936.56M | $7.45M | $101.52M |
| Jun 2024 | $1.41B | $1.06B | $7.05M | $118.75M |
| Jun 2025 | $1.38B | $1.01B | $7.28M | $136.35M |
| Jun 2026 | $1.46B | $1.12B | $7.09M | $152.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.12B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
Riverview Bank ($1.47B) · North State Bank ($1.46B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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