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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 75thStandingRank8-Qtr TrendPeer 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