First Federal Savings and Loan Association of Central Illinois, S.B.
First Federal Savings and Loan Association of Central Illinois, S.B. is an FDIC-insured savings bank headquartered in Shelbyville, IL, supervised by the FDIC, with $235.0M in total assets at Q2 2026, up 10.9% from Q2 2025, the 174th largest of 319 banks headquartered in Illinois. It was established in 1906 and holds FDIC certificate 29645. Its CET1 capital ratio was 14.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29645
- Headquarters
- Shelbyville, IL
- Established
- 1906
- Total assets, Q2 2026
- $235.0M
- Assets vs Q2 2025
- +10.9%
- CET1 ratio, Q2 2026
- 14.02%
- Domestic offices
- 4 · First Federal Savings and Loan Association of Central Illinois, S.B. branches FDIC institution directory, current count
- Routing number
- 271173368
- Safety and soundness
- Is First Federal Savings and Loan Association of Central Illinois, S.B. safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association of Central Illinois, S.B. Q3 2026 call report, filed October 29, 2026 (preliminary)
- Asset rank in state
- 174th of 319 in Illinois
First Federal Savings and Loan Association of Central Illinois, S.B. spends more to run itself than most banks of its size. The Shelbyville, Illinois bank had $235 million in assets at June 30, 2026, up 10.9% from a year earlier. It earns about $0.54 a year on every $100 of assets, about half the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $321,000 was 55% below a year earlier. Its $19 million commercial and industrial book is improving, with 2.43% past due or on nonaccrual, down from 8.90% a year earlier. One more trend to watch: delinquency has appeared in its $35 million non-owner-occupied commercial real estate book: 2.00% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, First Federal Savings and Loan Association of Central Illinois, S.B. reported a CET1 capital ratio of 14.02%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 5.59%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Federal Savings and Loan Association of Central Illinois, S.B. is the 174th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $235.0M, loans rose 2.5% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.4% of total loans, followed by non-owner-occupied commercial real estate loans at 20.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Shelbyville office books 55% of its branch deposits. Judged on its Q2 2026 call report, First Federal Savings and Loan Association of Central Illinois, S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Main Street, Shelbyville, IL 62565
- County
- Shelby
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- First Federal Savings and Loan Association of Central Illinois (2009-2016)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $201.5M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $53K
- Average total assets
- $238.4M
- Average total loans
- $166.4M
- Average interest-bearing deposits
- $177.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29645
- Fed RSSD
- 399973
- Website
- www.1stfedci.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Federal Savings and Loan Association of Central Illinois, S.B.'s total assets ranged from $193.5M (Q3 2023) to $235.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$235.0M total assets against $212.0M; $209.1M total liabilities against $189.0M.
$166.1M net loans and leases against $151.0M; $201.5M total deposits against $180.2M.
$38.6M securities against $39.3M; $18.1M cash and balances due against $9.2M.
$3.5M total interest income against $3.1M; $1.1M total interest expense against $1.1M.
$2.4M net interest income against $2.0M.
$82K total noninterest income against $784K; $2.0M total noninterest expense against $1.8M.
$83K provision for credit losses against $49K.
$321K net income against $713K.
0.54% return on assets against 1.32%; 4.30% net interest margin against 4.01%.
14.02% CET1 capital ratio against 13.81%; 10.73% tier 1 leverage ratio against 10.72%.
Inside the full First Federal Savings and Loan Association of Central Illinois, S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings and Loan Association of Central Illinois, S.B. rankings
Its closest position to the top of a national ranking is 1,207 of 3,640, for Texas Ratio; its furthest is 3,237 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q2 2026) to 1.37% (Q1 2026) and its net interest margin ran from 3.73% (Q3 2024) to 4.47% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.02% | 0.54% | 0.70% | 5.59% | 4.30% |
| Q1 2026 | 14.09% | 1.37% | 0.85% | 6.76% | 4.26% |
| Q4 2025 | 13.62% | 1.30% | 0.59% | 5.16% | 4.47% |
| Q3 2025 | 13.46% | 0.76% | 0.44% | 4.07% | 4.33% |
| Q2 2025 | 13.81% | 1.32% | 0.48% | 4.36% | 4.01% |
| Q1 2025 | 14.84% | 1.13% | 0.53% | 5.57% | 3.80% |
| Q4 2024 | 14.36% | 0.65% | 0.48% | 5.72% | 3.88% |
| Q3 2024 | 14.46% | 1.16% | 0.51% | 5.88% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Association of Central Illinois, S.B. (main office) | Shelbyville , IL | 62565 | $110.1M |
| Charleston Branch | Charleston , IL | 61920 | $73.7M |
| Windsor Branch | Windsor , IL | 61957 | $12.4M |
| Mattoon Branch | Mattoon , IL | 61938 | $5.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2008 | Structure Change | Acquired Charleston Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action June 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 206 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Savings and Loan Association of Central Illinois, S.B.
What are First Federal Savings and Loan Association of Central Illinois, S.B.'s total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association of Central Illinois, S.B. reported total assets of $235.0 million in its FFIEC call report.
Where is First Federal Savings and Loan Association of Central Illinois, S.B. headquartered?
It is headquartered in Shelbyville, IL, United States.
When was First Federal Savings and Loan Association of Central Illinois, S.B. founded?
It was established in 1906, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Central Illinois, S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association of Central Illinois, S.B.?
First Federal Savings and Loan Association of Central Illinois, S.B.'s primary federal regulator is the FDIC.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings and Loan Association of Central Illinois, S.B. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s Texas Ratio?
Its Texas Ratio is 5.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Federal Savings and Loan Association of Central Illinois, S.B. previously called?
The charter now named First Federal Savings and Loan Association of Central Illinois, S.B. has also operated as First Federal Savings and Loan Association of Central Illinois (2009-2016), per FDIC structure-change records.
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