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

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

SHELBYVILLE, ILSmallEst. Jan. 1, 1906, midnightFDIC #29645RSSD #399973FDIC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF CENTRAL ILLINOIS, S.B. is an 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%. CET1 capital ratio: 13.62%, well above regulatory minimums. NPL ratio: 0.59% · Texas Ratio: 4.78%. Operates 3 domestic branches.

Assets
$225M
Deposits
$188M
Loans
$164M
Equity
$25M

Profitability

Return on Assets (ROA)1.30%
Return on Equity (ROE)11.90%
Net Interest Margin4.61%
Yield on Assets6.76%
Cost of Funds2.24%

Asset Quality

NPL Ratio0.59%
Net Charge-Off Ratio0.01%
Texas Ratio4.78%
NPA Ratio0.57%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio13.62%
Tier 1 Capital13.62%
Total Capital Ratio14.73%
Leverage Ratio10.89%
Loan-to-Deposit86.94%

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