Total Assets
$194M
Total balance-sheet footings
FDIC Cert #28425 · Cicero, Illinois · Est. 1892
Central Federal Savings and Loan Association - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $194M
- Total assets
- F
- Health grade · At Risk
- -0.03%
- Return on assets
- 0.0%
- Tier 1 capital
The verdict
Central Federal Savings and Loan Association earns a PlainBankData health grade of F (20/100), with 0.00% Tier 1 capital, -0.03% ROA, 102% efficiency ratio.
- #3,053
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$170M
Customer-funded liabilities
Net Loans
$138M
Outstanding loan book
Net Income
$-55K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Central Federal Savings and Loan Association
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
4.60%
Equity Capital
Tangible book value as a capital buffer
$19M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 5th pct nationally
-0.03%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-0.29%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
102.16%
What the numbers say about Central Federal Savings and Loan Association
Central Federal Savings and Loan Association is an FDIC-insured institution (Certificate #28425) headquartered in Cicero, Illinois, established in 1892. It holds $194M in total assets — 3,053rd of 4,313 FDIC-insured banks, $170M in customer deposits, and $138M in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold, and its Texas Ratio of 4.60% sits in the healthy range below 50%. It earns a PlainBankData health grade of F (20/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$9M
Interest Income
$120K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Federal Savings and Loan Association reports a Texas Ratio of 4.60% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.60% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Central Federal Savings and Loan Association
Central Federal Savings and Loan Association's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-55K for the period — a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Central Federal Savings and Loan Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts — it is not a prediction of failure, and it does not affect insured-deposit safety.
FDIC deposit insurance
Central Federal Savings and Loan Association is FDIC-insured (Certificate #28425). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Central Federal Savings and Loan Association (FDIC Cert #28425) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Central Federal Savings and Loan Association's health grade?▼
Central Federal Savings and Loan Association receives a health grade of F (20/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Central Federal Savings and Loan Association?▼
Central Federal Savings and Loan Association holds $194M in total assets and $170M in deposits, ranking 3,053rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Cicero, Illinois.
Is my money safe at Central Federal Savings and Loan Association?▼
Yes. Central Federal Savings and Loan Association is FDIC-insured (Certificate #28425). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Central Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Central Federal Savings and Loan Association has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for Central Federal Savings and Loan Association?▼
Central Federal Savings and Loan Association has a Texas Ratio of 4.60%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Central Federal Savings and Loan Association?▼
Central Federal Savings and Loan Association has an Efficiency Ratio of 102.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Central Federal Savings and Loan Association's profile as a depositor or analyst.
- Central Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Central Federal Savings and Loan Association against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.