Central Savings, F.S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.30 percentage points higher than in Q1 2026, at 214.81%. On return on assets, Central Savings, F.S.B. is 27th from the bottom among 323 Illinois banks, 0.23% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Central Savings, F.S.B. reported 0.23% on return on assets in Q2 2026, 1.02 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 33.86% |
| Tier 1 risk-based capital ratio | 33.86% |
| Total risk-based capital ratio | 35.11% |
| Tier 1 leverage ratio | 25.49% |
| Equity capital to assets | 26.59% |
| Tangible equity to tangible assets | 25.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.60% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.82% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 214.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.23% |
| Return on equity | 0.89% |
| Net interest margin | 4.02% |
| Efficiency ratio | 88.20% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 120.06% |
| Core deposits to total deposits | 75.51% |
| Brokered deposits to total deposits | 2.48% |
| Deposits to assets | 71.97% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 35.14% | 35.14% | 36.39% | 26.45% | 0.12% |
| Q4 2023 | 33.90% | 33.90% | 35.16% | 26.44% | -0.33% |
| Q1 2024 | 33.65% | 33.65% | 34.91% | 25.72% | 0.69% |
| Q2 2024 | 32.71% | 32.71% | 33.97% | 25.64% | 0.60% |
| Q3 2024 | 33.04% | 33.04% | 34.30% | 25.68% | 0.50% |
| Q4 2024 | 32.58% | 32.58% | 33.84% | 25.26% | -0.76% |
| Q1 2025 | 31.31% | 31.31% | 32.56% | 24.81% | 0.63% |
| Q2 2025 | 30.40% | 30.40% | 31.65% | 23.82% | 0.69% |
| Q3 2025 | 30.19% | 30.19% | 31.45% | 22.83% | 0.68% |
| Q4 2025 | 33.84% | 33.84% | 35.10% | 22.46% | -0.70% |
| Q1 2026 | 34.55% | 34.55% | 35.81% | 23.43% | 0.73% |
| Q2 2026 | 33.86% | 33.86% | 35.11% | 25.49% | 0.23% |
Central Savings, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings, F.S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)