TellerScore

Central Bank Illinois is a state-chartered bank headquartered in Geneseo, Illinois, in business for about 119 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.1B in deposits, with 12 offices.

Central Bank Illinois has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 274th. Problem-loan coverage contributes the most (72/100, 14.0%); loan quality contributes the least (38/100, 1.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.39%
Loan quality38/100
Noncurrent loans ÷ total loans: 1.85%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 89.3% · 9.9% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 15 points (70 → 55), mostly because the loan quality component weakened by 50 points.

TellerScore
556473Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202472
Q1 202567
Q2 202570
Q3 202572
Q4 202564
Q1 202655
Q2 202655
Tier 1 leverage ratio
5.00%7.78%10.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.75%
Q3 20249.80%
Q4 20249.76%
Q1 20259.83%
Q2 202510.34%
Q3 202510.55%
Q4 202510.57%
Q1 202610.36%
Q2 202610.39%
Noncurrent loans
0.04%0.95%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.23%
Q4 20240.11%
Q1 20250.34%
Q2 20250.37%
Q3 20250.36%
Q4 20251.21%
Q1 20261.71%
Q2 20261.85%
Return on assets
0.57%0.88%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.16%
Q4 20241.19%
Q1 20250.88%
Q2 20251.04%
Q3 20251.18%
Q4 20251.18%
Q1 20260.57%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$1.5B10.39%1.85%0.98%89.3%
Q1 202655$1.5B10.36%1.71%0.57%86.7%
Q4 202564$1.4B10.57%1.21%1.18%94.4%
Q3 202572$1.4B10.55%0.36%1.18%92.6%
Q2 202570$1.4B10.34%0.37%1.04%93.9%
Q1 202567$1.4B9.83%0.34%0.88%91.9%
Q4 202472$1.4B9.76%0.11%1.19%88.8%
Q3 202471$1.4B9.80%0.23%1.16%89.7%
Q2 202473$1.4B9.75%0.04%1.05%85.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.39%
48th
Total risk-based capital0.00%
13th
Problem loans1.85%
10th
Net charge-offs0.75%
5th
Return on assets0.98%
29th
Net interest margin3.68%
49th
Efficiency ratio50.7%
75th
Loans to deposits89.3%
44th
Uninsured deposits9.9%
96th
Loan-loss reserves1.17%
54th
Texas ratio14.0%
8th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Dieterich BankBank Effingham, IL46 out of 100, Below average$1.6B8.4%1.87%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs
First State BankBank Mendota, IL69 out of 100, Moderate$1.6B10.9%0.47%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs
First Bankers Trust Company, National AssociationBank Quincy, IL57 out of 100, Moderate$1.2B10.0%1.28%vs
Servbank, National AssociationBank Oswego, IL76 out of 100, Strong$1.7B11.8%0.59%vs

Deposit insurance

Is my money safe at Central Bank Illinois?

Yes. Central Bank Illinois is an FDIC-insured institution (FDIC certificate #11670). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.9% of deposits ($110.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Central Bank Illinois lists 10 offices in 9 cities. Most locations:

  • Geneseo, IL (2)
  • Andover, IL (1)
  • Ashton, IL (1)
  • Fulton, IL (1)
  • Oregon, IL (1)
  • Peru, IL (1)
  • Princeton, IL (1)
  • Rochelle, IL (1)
  • Sterling, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Bank Illinois reported 389 home-loan applications under HMDA (LEI 549300ZM3TKJVUYB3676): 340 originated ($63,450,000 total), 11 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Bank Illinois
Former names
Central Trust & Savings Bank of Geneseo, Illinois; Central Trust & Savings Bank
Type
State-chartered bank
FDIC certificate #
11670
RSSD ID
931038
Primary regulator
FDIC
Holding company
Central Banc Inc
Established
February 1, 1907
Headquarters
101 N State St, Geneseo, IL 61254
Employees
185

Quick answers

Central Bank Illinois: common questions

Is Central Bank Illinois FDIC insured?

Yes. Central Bank Illinois is an FDIC-insured institution (FDIC certificate #11670). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central Bank Illinois's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Central Bank Illinois ever failed?

There is no failure record for FDIC certificate #11670 in the FDIC failed bank list.

How many branches does Central Bank Illinois have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Geneseo

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs
Union Federal Savings and Loan AssociationBank Kewanee, IL77 out of 100, Strong$145.6M16.5%0.51%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs