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Central Federal Savings And Loan Association
Cicero, IL · FDIC Certificate #28425 · Chartered 01/0
Total assets
$194.65M
Total deposits
$171.64M
Total equity
$19.04M
Net loans
$136.83M
Branches (offices)
3
Net income (YTD)
$57.00K
Rank: #3,009 of 4,213 U.S. banks by assets · #200 of 322 in Illinois. Assets changed -1.2% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.06% |
| Return on equity | 0.60% |
| Net interest margin (YTD) | 2.75% |
| Equity to assets | 9.78% |
| Tier 1 leverage ratio | 10.32% |
| Uninsured deposits (share of deposits) | 11.7% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 79.7% |
| Real estate loans (share of loans) | 101.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $138.21M | 101.0% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $111.00K | 0.1% | |
| Construction & development | $7.00K | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $196.27M | $168.28M | $95.00K | $17.38M |
| Jun 2023 | $185.36M | $154.16M | $226.00K | $17.64M |
| Jun 2024 | $197.17M | $166.33M | -$7.00K | $18.20M |
| Jun 2025 | $197.05M | $169.07M | -$112.00K | $18.56M |
| Jun 2026 | $194.65M | $171.64M | $57.00K | $19.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $171.64M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $171.64M.
Similar-sized banks
Citizens State Bank ($194.66M) · Great Rivers Bank ($194.56M)
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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