PackageTrendsPeer
Letter portraitLegal landscape

Central Savings, F.S.B.

Chicago, IL · Cert 27910

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Savings, F.S.B.

Chicago, IL · Cert 27910

State savings bank · OCC · 2 branches

Q2 2026

$111.9MAssets
$96.7MLoans
$80.6MDeposits
$29.8MEquity
Loan mix
100%RE $96.3M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $76.7M5%Noninterest $3.9MQ2 2025Q2 2026

NIM

5.84%Q2 ’245.90%Q2 ’256.24%Q2 ’26-4%+8%

Non-interest income vs. expense

3.03%Q2 ’242.88%Q2 ’253.30%Q2 ’26-5%+15%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #124 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 0.49%, down 17 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.57% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.49%, up 166 bps from a year ago.
  • Funding: loans stand at 120.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+30 bps YoY

Efficiency Ratio (YTD, annualized)

81.06%+485 bps YoY

Tier 1 Leverage Ratio

25.49%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.67%0.31%0.74%0.49%-17 bps
Return on Equity2.64%2.74%1.29%3.04%1.96%-68 bps
Net Interest Margin3.78%3.60%3.63%3.85%4.08%+30 bps
Efficiency Ratio76.21%74.88%88.44%74.28%81.06%+485 bps
Non-Interest Burden2.85%2.67%3.18%2.83%3.28%+42 bps
Growth
Asset Growth (YoY)11.72%16.78%13.17%2.72%-10.17%-2,189 bps
Loan Growth (YoY)9.94%10.18%-1.92%-7.00%-9.62%-1,956 bps
Deposit Growth (YoY)15.07%24.96%22.87%10.52%-9.21%-2,428 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.57%0.61%0.61%0.57%-11 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.40%1.40%1.50%1.50%1.50%+10 bps
Allowance Coverage of NPLs2.1x2.5x2.4x2.5x2.6x+0.6x
Capital
Tier 1 Leverage Ratio23.82%22.83%22.46%23.43%25.49%+166 bps
Total Risk-Based Capital31.65%31.45%35.10%35.81%35.11%+346 bps
Equity / Assets23.66%22.85%23.45%25.04%26.59%+293 bps
Liquidity & Funding
Loans / Deposits120.61%112.01%102.54%110.42%120.06%-55 bps
Liquid Assets / Assets12.22%15.96%21.26%16.78%11.57%-65 bps
CRE / Total Capitaln/a258%226%224%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central Savings, F.S.B.

Chicago, IL · Cert 27910 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State savings bank · OCC · 2 branches

Q2 2026

$111.9MAssets
$96.7MLoans
$80.6MDeposits
$29.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: return on equity trails 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 45 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.52%

Rank 41 of 57

Net Interest Margin

4.08%

Rank 15 of 57

Efficiency Ratio

81.06%

Rank 43 of 57

Equity / Assets

26.59%

Rank 2 of 57

Non-interest income vs. expense

$0.0M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 26% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 81.06%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.51%0.84%1.19%Beats 28%41 / 57
Return on Equity1.96%3.13%7.76%11.40%Beats 21%45 / 57
Net Interest Margin4.08%3.16%3.63%4.08%Beats 74%15 / 57
Efficiency Ratio81.06%59.57%69.70%81.06%Beats 26%43 / 57
Asset Quality
Nonperforming Loans / Loans0.57%0.06%0.34%1.78%Beats 43%33 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio33.86%12.24%16.06%19.69%Beats 93%4 / 57
Total Risk-Based Capital Ratio35.11%12.54%16.50%20.95%Beats 93%4 / 57
Equity / Assets26.59%9.37%11.56%15.00%Beats 96%2 / 57
Liquidity & Funding
Loans / Deposits120.06%66.29%85.59%95.16%95th pctl3 / 57
Loans / Assets86.41%57.07%71.07%78.13%93rd pctl4 / 57
Brokered Deposits / Depositsn/aNot reported for this institution