What is Central Bank Illinois's financial health grade?

Central Bank Illinois has a TFS Financial Health Grade of D (score: 66.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Central Bank Illinois have?

Central Bank Illinois has 12 branch locations across the United States.

Is Central Bank Illinois FDIC insured?

Yes, Central Bank Illinois is FDIC insured (Certificate #11670).

What are the total assets of Central Bank Illinois?

Central Bank Illinois has total assets of $1.4B as reported in its most recent FDIC filing.

Central Bank Illinois

BankGeneseo, Illinois

central-bank.com

Total Assets

$1.4B

Total Deposits

$1.0B

Branches

Established

1907

TFS Health Grade

66.3 / 100

Below average financial health

How we grade

Central Bank Illinois is a bank headquartered in Geneseo, Illinois, established in 1907. With $1.4B in total assets and 12 branch locations, it has a TFS Financial Health Grade of D (66.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.57%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.21%

Profitability

Return on Assets (ROA)

1.18%(1%)

Return on Equity (ROE)

12.09%(10%)

Net Interest Margin

3.66%

Efficiency Ratio

49.98%(60%)

Lending & Liquidity

Total Loans

$994.8M

Loan-to-Deposit Ratio

94.38%

Net Charge-Off Ratio

0.20%

Growth

Asset Growth (YoY)

+0.77%

Deposit Growth (YoY)

-1.11%

Net Income

$16.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Central Bank IllinoisHQ	101 N State St	Geneseo	IL	11
Central Bank Illinois	440 Mulberry St	Andover	IL	11
Central Bank Illinois	803 Main St	Ashton	IL	11
Central Bank Illinois	1404 14th Ave	Fulton	IL	11
Central Bank Illinois	425 Us Highway 6 E	Geneseo	IL	11
Central Bank Illinois	307 Franklin St	Oregon	IL	11
Central Bank Illinois	1721 Midtown Rd	Peru	IL	11
Central Bank Illinois	317 S Main St	Princeton	IL	11
Central Bank Illinois	210 S Main St	Princeton	IL	24
Central Bank Illinois	308 Washington St	Prophetstown	IL	24
Central Bank Illinois	340 May Mart Dr	Rochelle	IL	11
Central Bank Illinois	2900 E Lincolnway	Sterling	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.