Central Savings, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Savings, F.S.B. of Chicago, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.23% | 1.25% | -1.02% | 6th bottom |
| ROAE | 0.89% | 12.22% | -11.33% | 4th bottom |
| Net Interest Margin | 4.02% | 3.95% | +0.07% | 54th above |
| Efficiency Ratio | 88.20% | 63.71% | +24.49% | 6th bottom |
| PPNR / Avg Assets | 0.47% | — | — | 7th bottom |
| Yield on Earning Assets | 6.07% | 5.67% | +0.40% | 71st above |
| Cost of Funds | 2.80% | 1.87% | +0.93% | 8th bottom |
| Net Interest Spread | 3.21% | — | — | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.57% | 0.88% | -0.31% | 43rd below |
| NPA / Total Assets | 0.49% | — | — | 39th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.50% | — | — | 78th top |
| ACL / NPLs (Coverage) | 263.64% | — | — | 55th above |
| Texas Ratio | 1.82% | 5.96% | -4.14% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 33.86% | 17.18% | +16.68% | 94th top |
| Tier 1 Ratio | 33.86% | 17.21% | +16.65% | 94th top |
| Total Capital Ratio | 35.11% | — | — | 94th top |
| Leverage Ratio | 25.49% | 11.75% | +13.74% | 98th top |
| Equity / Assets | 26.59% | 10.98% | +15.61% | 98th top |
| TCE / Tangible Assets | 25.92% | — | — | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 120.06% | 80.44% | +39.62% | 1st bottom |
| Core Deposit Ratio | 75.51% | 86.95% | -11.44% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.17% | — | — | 1st bottom |
| Loan Growth (Y/Y) | -9.62% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | -9.21% | — | — | 2nd bottom |
See Central Savings, F.S.B.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Savings, F.S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Savings, F.S.B. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Central Savings, F.S.B. peer analysis.