Bank call report · Cicero, IL
Central Federal Savings and Loan Association Call Report
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Central Federal Savings and Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 218 reported line items, schedule by schedule (453 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 467470 |
| FDIC certificate number | 28425 |
| Total assets | $194.6M |
Official Q2 2026 call report PDF (FFIEC) →
Central Federal Savings and Loan Association call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Central Federal Savings and Loan Association balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $194.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $194.6M |
| Total Liabilities and Minority Interest | RCON2948 | $175.6M |
| Total Deposits | RCON2200 | $171.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $156.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $138.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $136.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $28.1M |
| Interest-bearing Balances | RCON0071 | $21.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $20.1M |
| Total Equity Capital | RCON3210 | $19.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $19.0M |
| Deposits: Noninterest-bearing | RCON6631 | $15.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.3M |
| Other Borrowed Money | RCON3190 | $2.9M |
| Other Assets | RCON2160 | $2.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.1M |
| Other Liabilities, Total | RCON2930 | $1.0M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $479K |
| Intangible Assets | RCON2143 | $50K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Central Federal Savings and Loan Association income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.1M |
| Total Noninterest Expense | RIAD4093 | $2.7M |
| Net Interest Income | RIAD4074 | $2.5M |
| Total Interest Expense | RIAD4073 | $1.8M |
| Salaries and Employee Benefits | RIAD4135 | $1.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Other Noninterest Expense | RIAD4092 | $678K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $392K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $390K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $320K |
| Interest on Other Securities | RIAD4060 | $270K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $247K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $242K |
| Total Noninterest Income | RIAD4079 | $213K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $115K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $93K |
| Other Interest Expense | RIADGW44 | $73K |
| Other Noninterest Income | RIADB497 | $70K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $63K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $63K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $63K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $57K |
| Net Income (Loss) | RIAD4340 | $57K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $57K |
| Other Interest Income | RIAD4518 | $24K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $22K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $11K |
| Applicable Income Taxes | RIAD4302 | $6K |
| Net Servicing Fees | RIADB492 | $6K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 42 |
Schedule RC-B: Securities (32 items)
About Schedule RC-B · Central Federal Savings and Loan Association securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $3.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $29.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $8.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $7.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $7.3M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $7.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $6.7M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $6.6M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $6.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $5.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $4.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $1.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $854K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $844K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $807K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $777K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $762K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $310K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $301K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $118K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $36K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $34K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $31K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Central Federal Savings and Loan Association loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $138.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $124.2M |
| Pledged Loans and Leases | RCONG378 | $124.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $88.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $21.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $19.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $6.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $6.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $2.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $851K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $640K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $629K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $240K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $215K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $161K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $111K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $55K |
| Other Loans | RCONJ464 | $15K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $7K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $789K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $84K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 8 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 7 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Central Federal Savings and Loan Association deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $148.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $148.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $66.1M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $45.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $43.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $41.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $28.7M |
| Total Transaction Accounts | RCON2215 | $22.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $22.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $22.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $17.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $15.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $15.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $14.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $10.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $9.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $9.1M |
| Total Brokered Deposits | RCON2365 | $9.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $7.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $6.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $819K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $911K |
| Net Deferred Tax Assets | RCON2148 | $783K |
| Accrued Interest Receivable | RCONB556 | $742K |
| Other Assets | RCON2168 | $184K |
| Prepaid Expenses | RCON2166 | $144K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $834K |
| All Other Liabilities | RCON2938 | $160K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $21K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Central Federal Savings and Loan Association quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $195.3M |
| Quarterly Average of Total Loans | RCON3360 | $137.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $126.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $75.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $58.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $20.4M |
| All Other Securities | RCONB560 | $14.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $14.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $11.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $7.5M |
| Mortgage-backed Securities | RCONB559 | $5.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $125K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)
About Schedule RC-L · Central Federal Savings and Loan Association derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $756K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $640K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Central Federal Savings and Loan Association memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $2.9M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $50K |
| Mortgage Servicing Assets | RCON3164 | $50K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (4 items)
About Schedule RC-N · Central Federal Savings and Loan Association past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $905K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $905K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $611K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $611K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Central Federal Savings and Loan Association other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $193.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $171.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $117.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $44.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $20.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $9.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $555K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,955 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 370 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 97 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · Central Federal Savings and Loan Association regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $195.3M |
| Average total consolidated assets | RCOAKW03 | $195.3M |
| Total Assets | RCOA2170 | $194.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.1M |
| Retained Earnings | RCOAKW00 | $20.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $19.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $4.2M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $4.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1032 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0213 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $19.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $19.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $19.0M |
| Other Comprehensive Income | RIADB511 | -$22K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Central Federal Savings and Loan Association charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Central Federal Savings and Loan Association changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.5M |
Central Federal Savings and Loan Association call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Central Federal Savings and Loan Association call report?
The Central Federal Savings and Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Central Federal Savings and Loan Association file?
Central Federal Savings and Loan Association files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Central Federal Savings and Loan Association call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Central Federal Savings and Loan Association has Federal Reserve RSSD ID 467470 and FDIC certificate number 28425. Either one finds its filings on the FFIEC Central Data Repository.
How often does Central Federal Savings and Loan Association file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Central Federal Savings and Loan Association financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 28425) · FFIEC NIC profile (RSSD 467470)