TellerScore

First Federal Savings and Loan Association of Central Illinois, S.B. is a si headquartered in Shelbyville, Illinois, in business for about 120 years. At the end of Q2 2026 it reported $235.0M in total assets and $201.5M in deposits, with 4 offices.

Based on its Q2 2026 filing, First Federal Savings and Loan Association of Central Illinois, S.B. scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 181st. Its strongest component is problem-loan coverage (90/100; 5.2%), and its lowest is capital cushion (57/100; 10.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.73%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.70%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 82.4% · 10.6% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.21%

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 4 points (73 → 69), mostly because the earnings component weakened by 12 points.

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202472
Q1 202573
Q2 202573
Q3 202572
Q4 202571
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%8.05%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.85%
Q3 202410.91%
Q4 202410.90%
Q1 202510.97%
Q2 202510.72%
Q3 202510.74%
Q4 202510.89%
Q1 202611.09%
Q2 202610.73%
Noncurrent loans
0.44%0.65%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.51%
Q4 20240.48%
Q1 20250.53%
Q2 20250.48%
Q3 20250.44%
Q4 20250.59%
Q1 20260.85%
Q2 20260.70%
Return on assets
0.96%1.17%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.20%
Q4 20241.06%
Q1 20251.14%
Q2 20251.24%
Q3 20251.08%
Q4 20251.14%
Q1 20261.38%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$235.0M10.73%0.70%0.96%82.4%
Q1 202671$226.8M11.09%0.85%1.38%83.8%
Q4 202571$225.1M10.89%0.59%1.14%85.9%
Q3 202572$222.0M10.74%0.44%1.08%84.7%
Q2 202573$212.0M10.72%0.48%1.24%83.8%
Q1 202573$215.2M10.97%0.53%1.14%78.5%
Q4 202472$212.9M10.90%0.48%1.06%79.7%
Q3 202473$204.2M10.91%0.51%1.20%82.7%
Q2 202472$203.4M10.85%0.58%1.21%84.5%

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 ratio10.73%
45th
Total risk-based capital15.16%
69th
Problem loans0.70%
37th
Net charge-offs0.06%
25th
Return on assets0.96%
31st
Net interest margin4.40%
75th
Efficiency ratio69.7%
31st
Loans to deposits82.4%
44th
Uninsured deposits10.6%
92nd
Loan-loss reserves1.19%
50th
Texas ratio5.2%
35th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs
Anna-Jonesboro National BankBank Anna, IL65 out of 100, Moderate$234.2M14.6%3.00%vs
West Central BankBank Ashland, IL60 out of 100, Moderate$232.2M11.9%2.10%vs
Farmers State Bank of HoffmanBank Hoffman, IL77 out of 100, Strong$232.1M11.9%0.17%vs
Bank of FarmingtonBank Farmington, IL66 out of 100, Moderate$240.1M11.0%0.20%vs

Deposit insurance

Is my money safe at First Federal Savings and Loan Association of Central Illinois, S.B.?

Yes. First Federal Savings and Loan Association of Central Illinois, S.B. is an FDIC-insured institution (FDIC certificate #29645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.6% of deposits ($21.4M) 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 10.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.16% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Federal Savings and Loan Association of Central Illinois, S.B. lists 4 offices in 4 cities. Most locations:

  • Charleston, IL (1)
  • Mattoon, IL (1)
  • Shelbyville, IL (1)
  • Windsor, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Savings and Loan Association of Central Illinois, S.B.
Former names
First Federal Savings and Loan Association of Central Illinois; First Federal Savings and Loan Association of Shelbyville
Type
SI
FDIC certificate #
29645
RSSD ID
399973
Primary regulator
FDIC
Established
January 1, 1906
Headquarters
200 W Main Street, Shelbyville, IL 62565
Employees
43

Quick answers

First Federal Savings and Loan Association of Central Illinois, S.B.: common questions

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 institution (FDIC certificate #29645). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Savings and Loan Association of Central Illinois, S.B.'s TellerScore?

69 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 First Federal Savings and Loan Association of Central Illinois, S.B. ever failed?

There is no failure record for FDIC certificate #29645 in the FDIC failed bank list.

How many branches does First Federal Savings and Loan Association of Central Illinois, S.B. have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Shelbyville

InstitutionScoreAssetsCapitalProblem loansCompare
Teutopolis State BankBank Teutopolis, IL97 out of 100, Very strong$358.5M14.7%0.00%vs
Effingham Highway Credit UnionCredit union Effingham, IL94 out of 100, Very strong$5.9M19.8%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
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First National Bank of PanaBank Pana, IL78 out of 100, Strong$394.8M10.5%0.07%vs