Central Savings, F.S.B.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Equity capital to average assets: 2.09 percentage points higher than in Q1 2026, at 26.15%. Among 198 Illinois banks, Central Savings, F.S.B. sits 10th from the top on CET1 ratio, 33.86% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Central Savings, F.S.B. reported 33.86% on CET1 ratio in Q2 2026, 18.78 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 33.86% |
| Tier 1 risk-based capital ratio | 33.86% |
| Total risk-based capital ratio | 35.11% |
| Tier 1 leverage ratio | 25.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $28.7M |
| Tier 1 capital | $28.7M |
| Total risk-based capital | $29.8M |
| Total equity capital | $29.8M |
| Risk-weighted assets | $84.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 26.59% |
| Tangible equity to tangible assets | 25.92% |
| Equity capital to average assets | 26.15% |
| Internal capital growth rate | 0.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $29.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 35.14% | 35.14% | 36.39% | 26.45% | $79.3M |
| Q4 2023 | 33.90% | 33.90% | 35.16% | 26.44% | $82.0M |
| Q1 2024 | 33.65% | 33.65% | 34.91% | 25.72% | $83.2M |
| Q2 2024 | 32.71% | 32.71% | 33.97% | 25.64% | $86.1M |
| Q3 2024 | 33.04% | 33.04% | 34.30% | 25.68% | $85.6M |
| Q4 2024 | 32.58% | 32.58% | 33.84% | 25.26% | $86.2M |
| Q1 2025 | 31.31% | 31.31% | 32.56% | 24.81% | $90.3M |
| Q2 2025 | 30.40% | 30.40% | 31.65% | 23.82% | $93.6M |
| Q3 2025 | 30.19% | 30.19% | 31.45% | 22.83% | $95.0M |
| Q4 2025 | 33.84% | 33.84% | 35.10% | 22.46% | $84.1M |
| Q1 2026 | 34.55% | 34.55% | 35.81% | 23.43% | $83.0M |
| Q2 2026 | 33.86% | 33.86% | 35.11% | 25.49% | $84.9M |
Central Savings, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings, F.S.B., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central Savings, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27910) · FFIEC NIC profile (RSSD 615879)