CENTRAL SAVINGS, F.S.B.

CHICAGO, IL | Small | Est. Jan. 1, 1893, midnight | FDIC #27910 | RSSD #615879 | OCC
Latest Report: 2025-12-31

CENTRAL SAVINGS, F.S.B. is asn small FDIC-insured commercial bank headquartered in CHICAGO, IL, established in Jan. 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $126M and total deposits of $94M. Profitability stands at -0.70% ROA and -3.04% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 33.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 1.91%. FDIC Certificate #27910.

Assets

$126M

Deposits

$94M

Loans

$97M

Equity

$29M

Profitability

Return on Assets (ROA) -0.70%
Return on Equity (ROE) -3.04%
Net Interest Margin (NIM) 4.09%
Yield on Assets 6.60%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio --
Texas Ratio 1.91%
NPA Ratio 0.47%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 33.84%
Tier 1 Capital 33.84%
Total Capital Ratio 35.10%
Leverage Ratio 22.46%
Loan-to-Deposit 102.54%

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