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First Federal Savings And Loan Association Of Central Illinois, S.B.
Shelbyville, IL · FDIC Certificate #29645 · Chartered 01/0
Total assets
$234.97M
Total deposits
$201.55M
Total equity
$25.90M
Net loans
$166.05M
Branches (offices)
4
Net income (YTD)
$1.10M
Rank: #2,786 of 4,213 U.S. banks by assets · #176 of 322 in Illinois. Assets changed 10.9% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 8.67% |
| Net interest margin (YTD) | 4.40% |
| Equity to assets | 11.02% |
| Tier 1 leverage ratio | 10.73% |
| Uninsured deposits (share of deposits) | 10.6% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $135.46M | 81.6% | |
| Commercial & industrial | $19.12M | 11.5% | |
| Consumer / individual | $11.85M | 7.1% | |
| Construction & development | $7.14M | 4.3% | |
| Agricultural | $1.58M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $192.31M | $165.59M | $849.00K | $16.38M |
| Jun 2023 | $191.19M | $161.00M | $914.00K | $17.90M |
| Jun 2024 | $203.38M | $172.92M | $1.21M | $20.45M |
| Jun 2025 | $211.97M | $180.23M | $1.32M | $22.99M |
| Jun 2026 | $234.97M | $201.55M | $1.10M | $25.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $201.55M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $201.55M.
Similar-sized banks
Home Loan State Bank ($235.28M) · The First National Bank Of Izard County ($234.76M)
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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