Central Savings, F.S.B.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Central Savings, F.S.B. spends more to run itself than most banks of its size. The Chicago, Illinois bank had $112 million in assets at June 30, 2026, down 10.2% from a year earlier. It earns about $0.23 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $66,000 was 68% below a year earlier. Its $13 million non-owner-occupied commercial real estate book is now fully current, after 0.65% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Central Savings, F.S.B. reported a CET1 capital ratio of 33.86%, a return on assets of 0.23%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 1.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1601 W Belmont Ave, Chicago, IL 60657
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- 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, 1893
- Former names
- Central Federal Savings and Loan Association of Chicago (1999-2017)
- Offices
- 2 domestic
- Employees (FTE)
- 20
- Domestic deposits
- $80.6M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.8M
- Average total loans
- $96.4M
- Average interest-bearing deposits
- $78.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27910
- Fed RSSD
- 615879
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.
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.
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Unlock Central Savings, F.S.B., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Central Savings, F.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.
Metric pages for Central Savings, F.S.B.: 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 | 33.86% | 0.23% | 0.57% | 1.82% | 4.02% |
| Q1 2026 | 34.55% | 0.73% | 0.61% | 1.96% | 3.88% |
| Q4 2025 | 33.84% | -0.70% | 0.61% | 1.98% | 3.82% |
| Q3 2025 | 30.19% | 0.68% | 0.57% | 2.00% | 3.64% |
| Q2 2025 | 30.40% | 0.69% | 0.68% | 2.42% | 3.88% |
| Q1 2025 | 31.31% | 0.63% | 0.70% | 2.43% | 3.91% |
| Q4 2024 | 32.58% | -0.76% | 0.74% | 2.46% | 3.80% |
| Q3 2024 | 33.04% | 0.50% | 0.62% | 2.01% | 4.11% |
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 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Savings, F.S.B. (main office) | Chicago , IL | 60657 | $74.9M |
| American Union S&La Branch | Chicago , IL | 60622 | $5.7M |
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 |
|---|---|---|---|
| September 5, 2015 | Structure Change | Acquired American Union Savings and Loan Association, S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 4, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2014 | Structure Change | Acquired Columbus Savings Bank 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 4 events.
Regulatory record
What the public regulatory sources show for Central Savings, F.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
- 1 against the institution (OCC)
- June 21, 2012, OCC: Formal Agreement: Central FS & LA of Chicago
- Period: Most recent institution action June 21, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 310 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.
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Frequently asked about Central Savings, F.S.B.
What are Central Savings, F.S.B.'s total assets?
As of the Q2 2026 filing, Central Savings, F.S.B. reported total assets of $111.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central Savings, F.S.B. headquartered?
Central Savings, F.S.B. is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Central Savings, F.S.B. founded?
Central Savings, F.S.B. was established in 1893, per the FDIC institution directory.
Is Central Savings, F.S.B. FDIC-insured?
Yes. Central Savings, F.S.B. is an FDIC-insured savings institution (FDIC Certificate #27910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Savings, F.S.B.?
Central Savings, F.S.B.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central Savings, F.S.B.'s CET1 capital ratio?
Central Savings, F.S.B. reported a Common Equity Tier 1 (CET1) capital ratio of 33.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central Savings, F.S.B. operate?
Central Savings, F.S.B. operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Savings, F.S.B.'s Texas Ratio?
Central Savings, F.S.B.'s Texas Ratio is 1.82% 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 Central Savings, F.S.B. previously called?
The charter now named Central Savings, F.S.B. has also operated as Central Federal Savings and Loan Association of Chicago (1999-2017), per FDIC structure-change records.
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