Central Savings, f.s.b.: how it compares with its peers
Against 112 IL banks with half to twice its assets, Central Savings, f.s.b.'s strongest measure in Q2 2026 is net interest margin (4.00% vs. a 3.74% peer median). Its weakest relative measure is return on assets (0.49% vs. 1.06%).
| Measure | Central Savings, f.s.b. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.49% | 1.06% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.74% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.06% | 66.71% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.2M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 118.26% | 67.87% | Context |
What it means for lending operations
Its efficiency ratio of 81.06% is above the 66.71% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank of Beecher City Beecher City, IL · $112M
- Midland Federal Savings and Loan Association Bridgeview, IL · $111M
- Exchange State Bank Lanark, IL · $113M
- The First National Bank of Sparta Sparta, IL · $115M
- Anderson State Bank Oneida, IL · $109M
Questions about Central Savings, f.s.b.
How big is Central Savings, f.s.b.?
Central Savings, f.s.b., established in 1893, is headquartered in Chicago, IL. It reported $112M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Central Savings, f.s.b.'s return on assets?
0.49% annualized in Q2 2026, against a 1.06% median for 112 IL banks with half to twice its assets, ahead of 18% of them.
What is Central Savings, f.s.b.'s efficiency ratio?
81.06% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 66.71%, and lower is better.
Is Central Savings, f.s.b. growing its loans?
Net loans shrank 9.7% over the year to Q2 2026, while deposits shrank 9.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.