TellerScore

Central Federal Savings and Loan Association is a savings bank headquartered in Cicero, Illinois, in business for about 134 years. At the end of Q2 2026 it reported $194.6M in total assets and $171.6M in deposits, with 3 offices.

Central Federal Savings and Loan Association has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 245th. Problem-loan coverage contributes the most (91/100, 4.4%); earnings contributes the least (22/100, 0.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings22/100
Return on assets (annualized): 0.06%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 79.7% · 11.7% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.41%

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 rose 3 points (58 → 61), mostly because the earnings component improved by 7 points.

TellerScore
575961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202458
Q4 202460
Q1 202557
Q2 202558
Q3 202559
Q4 202560
Q1 202660
Q2 202661
Tier 1 leverage ratio
5.00%7.66%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.02%
Q3 202410.21%
Q4 202410.32%
Q1 202510.33%
Q2 202510.17%
Q3 202510.21%
Q4 202510.32%
Q1 202610.31%
Q2 202610.32%
Noncurrent loans
0.65%0.84%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.03%
Q3 20240.94%
Q4 20240.79%
Q1 20250.86%
Q2 20250.80%
Q3 20250.76%
Q4 20250.68%
Q1 20260.67%
Q2 20260.65%
Return on assets
-0.22%-0.08%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.01%
Q3 20240.00%
Q4 2024-0.05%
Q1 2025-0.22%
Q2 2025-0.11%
Q3 2025-0.06%
Q4 2025-0.03%
Q1 2026-0.05%
Q2 20260.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$194.6M10.32%0.65%0.06%79.7%
Q1 202660$193.0M10.31%0.67%-0.05%80.0%
Q4 202560$193.8M10.32%0.68%-0.03%81.0%
Q3 202559$192.6M10.21%0.76%-0.06%81.2%
Q2 202558$197.0M10.17%0.80%-0.11%78.3%
Q1 202557$194.0M10.33%0.86%-0.22%78.8%
Q4 202460$195.0M10.32%0.79%-0.05%76.7%
Q3 202458$193.0M10.21%0.94%0.00%80.9%
Q2 202457$197.2M10.02%1.03%-0.01%76.9%

2,650 peers · $100 million – $1 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 ratio10.32%
38th
Total risk-based capital0.00%
24th
Problem loans0.65%
39th
Net charge-offs-0.01%
86th
Return on assets0.06%
4th
Net interest margin2.75%
6th
Efficiency ratio97.7%
3rd
Loans to deposits79.7%
50th
Uninsured deposits11.7%
90th
Loan-loss reserves1.09%
37th
Texas ratio4.4%
39th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Great Rivers BankBank Barry, IL81 out of 100, Strong$194.6M11.2%0.11%vs
Community Bank of ElmhurstBank Elmhurst, IL72 out of 100, Strong$194.5M9.9%0.02%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%0.00%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs

Deposit insurance

Is my money safe at Central Federal Savings and Loan Association?

Yes. Central Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28425). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.7% of deposits ($20.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, 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

3 locations

Branches

Central Federal Savings and Loan Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Central Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28425
RSSD ID
467470
Primary regulator
OCC
Established
January 1, 1892
Headquarters
5953 W Cermak Rd, Cicero, IL 60804
Employees
42

Quick answers

Central Federal Savings and Loan Association: common questions

Is Central Federal Savings and Loan Association FDIC insured?

Yes. Central Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #28425). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central Federal Savings and Loan Association's TellerScore?

61 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 Federal Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #28425 in the FDIC failed bank list.

How many branches does Central Federal Savings and Loan Association have?

3 offices as of the latest FDIC data.

Nearby

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