FDIC Cert #27910 · Chicago, Illinois · Est. 1893

Central Savings, f.s.b. - FDIC Bank Health Profile

A community-scale look at Central Savings, f.s.b.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$126M
Total assets
B
Health grade · Good
0.31%
Return on assets
33.8%
Tier 1 capital

Data updated July 2026

The verdict

Central Savings, f.s.b. earns a PlainBankData health grade of B (67/100), with well-capitalized at 33.84% Tier 1, 0.31% ROA, 88% efficiency ratio.

#3,542
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
33.84%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 27910 · IL B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3264/4307
  • PHOTO-FINISH Citizens Federal Sav… · KY
  • TIER1-WELL 33.8% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-THIN 0.31% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Citizens Federal Savings and Loan Association, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Central Savings, f.s.b.

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Central Savings, f.s… · IL ·…67/100Citizens Federal Sav… · KY ·…67/100Citizens Federal Sav… · OH ·…67/100First Federal Bank o… · OH ·…67/100Profile Bank · NH · near67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Central Savings, f.s.b. · July 2026

Call Report read for Central Savings, f.s.b. in a high-failure state

Central Savings, f.s.b. (FDIC Cert #27910) carries a PlainBankData health grade of B at 67/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,264 of 4,307. Tier 1 capital prints at 33.84%, clearing the 10% well-capitalized line. The Texas Ratio is 1.91%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.31%. Balance-sheet scale is $126M, 3,542nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Federal Savings and Loan Association (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Central Savings, f.s.b.

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Central Savings, f.s.b. sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Central Savings, f.s.b.'s current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Central Savings, f.s.b.'s 67/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10067/100
Central Savings, f.s.b.'s composite health score
Tier 1 Capital Ratio (33.84%) 40/40
Return on Assets (ROA) (0.31%) 7/25
Texas Ratio (1.91%) 20/20
Efficiency Ratio (88.44%) 0/15

67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$126M

Total balance-sheet footings

Total Deposits

$94M

Customer-funded liabilities

Net Loans

$95M

Outstanding loan book

Net Income

$378K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 32.44% 33.84% 35.24%
Basel III capital ratios - Central Savings, f.s.b.

Where Central Savings, f.s.b. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Savings, f.s.b.'s score of 67/100 falls in the highlighted band.

Central Savings, f.s.b.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Central Savings, f.s.b. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Central Savings, f.s.b.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Savings, f.s.b.'s $126M falls in the highlighted band.

Capital & credit buffers at Central Savings, f.s.b.

Tier 1 capital ratio
Well-capitalized 10%

33.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
33.84%
Texas Ratio
1.91%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: Central Savings, f.s.b.

Return on Assets (ROA)
10th percentile nationally
0.31%
Return on Equity (ROE)
1.29%
Efficiency Ratio
88.44%

What these mean →

Income & expense at Central Savings, f.s.b.

$7M
Interest Income
$24K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Savings, f.s.b. reports a Texas Ratio of 1.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Central Savings, f.s.b. on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($126M here), outside Illinois so the neighborhood is not state containment.

Solon State Bank $126M · IA COREBANK $126M · OK Eastern International Bank $126M · CA Peoples Bank Co. $126M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Savings, f.s.b. (FDIC Cert #27910) - 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.

Central Savings, f.s.b. Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
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%