First Federal Savings and Loan Association of Central Illinois, S.B.: Financial Reports & UBPR Data
BankRegReports is independent of First Federal Savings and Loan Association of Central Illinois, S.B. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of Central Illinois, S.B. spends more to run itself than most banks of its size. The Shelbyville, Illinois bank had $235 million in assets at June 30, 2026, up 10.9% from a year earlier. It earns about $0.54 a year on every $100 of assets, about half the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $321,000 was 55% below a year earlier. Its $19 million commercial and industrial book is improving, with 2.43% past due or on nonaccrual, down from 8.90% a year earlier. One more trend to watch: delinquency has appeared in its $35 million non-owner-occupied commercial real estate book: 2.00% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, First Federal Savings and Loan Association of Central Illinois, S.B. reported a CET1 capital ratio of 14.02%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 5.59%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 W Main Street, Shelbyville, IL 62565
- County
- Shelby
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First Federal Savings and Loan Association of Central Illinois (2009-2016)
- Offices
- 4 domestic
- Employees (FTE)
- 43
- Domestic deposits
- $201.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $53K
- Average total assets
- $238.4M
- Average total loans
- $166.4M
- Average interest-bearing deposits
- $177.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29645
- Fed RSSD
- 399973
- Website
- www.1stfedci.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings and Loan Association of Central Illinois, S.B. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Savings and Loan Association of Central Illinois, S.B., freeFirst Federal Savings and Loan Association of Central Illinois, S.B. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.02% | 0.54% | 0.70% | 5.59% | 4.30% |
| Q1 2026 | 14.09% | 1.37% | 0.85% | 6.76% | 4.26% |
| Q4 2025 | 13.62% | 1.30% | 0.59% | 5.16% | 4.47% |
| Q3 2025 | 13.46% | 0.76% | 0.44% | 4.07% | 4.33% |
| Q2 2025 | 13.81% | 1.32% | 0.48% | 4.36% | 4.01% |
| Q1 2025 | 14.84% | 1.13% | 0.53% | 5.57% | 3.80% |
| Q4 2024 | 14.36% | 0.65% | 0.48% | 5.72% | 3.88% |
| Q3 2024 | 14.46% | 1.16% | 0.51% | 5.88% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Association of Central Illinois, S.B. (main office) | Shelbyville , IL | 62565 | $110.1M |
| Charleston Branch | Charleston , IL | 61920 | $73.7M |
| Windsor Branch | Windsor , IL | 61957 | $12.4M |
| Mattoon Branch | Mattoon , IL | 61938 | $5.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2008 | Structure Change | Acquired Charleston Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Federal Savings and Loan Association of Central Illinois, S.B., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action June 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 206 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First Federal Savings and Loan Association of Central Illinois, S.B.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First Federal Savings and Loan Association of Central Illinois, S.B. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about First Federal Savings and Loan Association of Central Illinois, S.B.
What are First Federal Savings and Loan Association of Central Illinois, S.B.'s total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Central Illinois, S.B. reported total assets of $235.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association of Central Illinois, S.B. headquartered?
First Federal Savings and Loan Association of Central Illinois, S.B. is headquartered in Shelbyville, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was First Federal Savings and Loan Association of Central Illinois, S.B. founded?
First Federal Savings and Loan Association of Central Illinois, S.B. was established in 1906, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Central Illinois, S.B. FDIC-insured?
Yes. First Federal Savings and Loan Association of Central Illinois, S.B. is an FDIC-insured savings bank (FDIC Certificate #29645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association of Central Illinois, S.B.?
First Federal Savings and Loan Association of Central Illinois, S.B.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s CET1 capital ratio?
First Federal Savings and Loan Association of Central Illinois, S.B. reported a Common Equity Tier 1 (CET1) capital ratio of 14.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings and Loan Association of Central Illinois, S.B. operate?
First Federal Savings and Loan Association of Central Illinois, S.B. operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s Texas Ratio?
First Federal Savings and Loan Association of Central Illinois, S.B.'s Texas Ratio is 5.59% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Savings and Loan Association of Central Illinois, S.B. previously called?
The charter now named First Federal Savings and Loan Association of Central Illinois, S.B. has also operated as First Federal Savings and Loan Association of Central Illinois (2009-2016), per FDIC structure-change records.
Go deeper on First Federal Savings and Loan Association of Central Illinois, S.B.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First Federal Savings and Loan Association of Central Illinois, S.B., freeFree account