First Federal Savings and Loan Association of Central Illinois, S.B.
Operating from Shelbyville, IL, First Federal Savings and Loan Association of Central Illinois, S.b. serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $227M in assets, including $164M in loans. Returns are notably above industry norms: 1.37% ROA, 12.41% ROE, and 4.26% NIM. Capital is comfortably above regulatory minimums — CET1 ratio of 14.09% sits well above the 7% well-capitalized threshold. Asset quality is solid — 0.96% nonperforming loans and a 7.47% Texas Ratio. 3 branches make up the footprint.
Headquarters Profile
- Address
- 200 W Main Street, SHELBYVILLE, IL 62565
- County
- Shelby
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 1, 1906
- Branches
- 3 domestic
- Employees (FTE)
- 43
- FDIC Cert
- 29645
- Fed RSSD
- 399973
- Website
- www.1stfedci.com →
Capital & Liquidity
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First Federal Savings and Loan Association of Central Illinois, S.B. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
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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 Q1 2026 filing, First Federal Savings and Loan Association of Central Illinois, S.B. reported total assets of $226.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings and Loan Association of Central Illinois, S.B. headquartered?
First Federal Savings and Loan Association of Central Illinois, S.B. is headquartered in SHELBYVILLE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings and Loan Association of Central Illinois, S.B. founded?
First Federal Savings and Loan Association of Central Illinois, S.B. was established in 1906, per the FDIC institution directory.
Is First Federal Savings and Loan Association of Central Illinois, S.B. FDIC-insured?
Yes. First Federal Savings and Loan Association of Central Illinois, S.B. is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s CET1 capital ratio?
First Federal Savings and Loan Association of Central Illinois, S.B. reported a Common Equity Tier 1 (CET1) capital ratio of 14.09% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Federal Savings and Loan Association of Central Illinois, S.B. operate?
First Federal Savings and Loan Association of Central Illinois, S.B. operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Federal Savings and Loan Association of Central Illinois, S.B.'s Texas Ratio?
First Federal Savings and Loan Association of Central Illinois, S.B.'s Texas Ratio is 7.47% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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