CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION

CICERO, IL | Small | Est. Jan. 1, 1892, midnight | FDIC #28425 | RSSD #467470 | OCC
Latest Report: 2025-12-31

CENTRAL FEDERAL SAVINGS AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CICERO, IL, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $194M and total deposits of $170M. Profitability stands at 0.07% ROA and 0.72% ROE, with a net interest margin of 2.91%. The bank's CET1 capital ratio is 9.79%. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 4.60%. FDIC Certificate #28425.

Assets

$194M

Deposits

$170M

Loans

$139M

Equity

$19M

Profitability

Return on Assets (ROA) 0.07%
Return on Equity (ROE) 0.72%
Net Interest Margin (NIM) 2.91%
Yield on Assets 4.98%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio -0.01%
Texas Ratio 4.60%
NPA Ratio 0.49%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 9.79%
Tier 1 Capital 9.79%
Total Capital Ratio 10.28%
Leverage Ratio 10.32%
Loan-to-Deposit 81.92%

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