FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTRAL ILLINOIS, S.B.

SHELBYVILLE, IL | Small | Est. Jan. 1, 1906, midnight | FDIC #29645 | RSSD #399973 | FDIC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTRAL ILLINOIS, S.B. is asn small FDIC-insured commercial bank headquartered in SHELBYVILLE, IL, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $225M and total deposits of $188M. Profitability stands at 1.30% ROA and 11.90% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 13.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 4.78%. FDIC Certificate #29645.

Assets

$225M

Deposits

$188M

Loans

$164M

Equity

$25M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 11.90%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.76%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.78%
NPA Ratio 0.57%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 13.62%
Tier 1 Capital 13.62%
Total Capital Ratio 14.73%
Leverage Ratio 10.89%
Loan-to-Deposit 86.94%

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