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Central Federal Savings and Loan Association

Cicero, IL · Cert 28425 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State savings bank · OCC · 3 branches

Q2 2026

$194.6MAssets
$138.3MLoans
$171.6MDeposits
$19.0MEquity

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: total risk-based capital ratio trails 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.06%

Rank 51 of 57

Net Interest Margin

2.60%

Rank 50 of 57

Efficiency Ratio

97.71%

Rank 52 of 57

Equity / Assets

9.78%

Rank 38 of 57

Non-interest income vs. expense

$0.4M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 11% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 97.71%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.06%0.51%0.84%1.19%Beats 11%51 / 57
Return on Equity0.60%3.13%7.76%11.40%Beats 11%51 / 57
Net Interest Margin2.60%3.16%3.63%4.08%Beats 12%50 / 57
Efficiency Ratio97.71%59.57%69.70%81.06%Beats 11%52 / 57
Asset Quality
Nonperforming Loans / Loans0.65%0.06%0.34%1.78%Beats 41%34 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio10.32%12.24%16.06%19.69%Beats 9%52 / 57
Total Risk-Based Capital Ratio10.32%12.54%16.50%20.95%Beats 5%54 / 57
Equity / Assets9.78%9.37%11.56%15.00%Beats 33%38 / 57
Liquidity & Funding
Loans / Deposits80.59%66.29%85.59%95.16%42nd pctl33 / 57
Loans / Assets71.07%57.07%71.07%78.13%49th pctl29 / 57
Brokered Deposits / Depositsn/aNot reported for this institution