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First Federal Savings And Loan Association Of Central Illinois, S.B.

Shelbyville, IL · Est. 1906 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

First Federal Savings And Loan Association Of Central Illinois, S.B. is a bank based in Shelbyville, Illinois, established in 1906, with $227 million in total assets across 4 branches. By Trust Grade it ranks 73rd of 328 banks we track in Illinois. Its capital ratio of 11.2% is stronger than 65% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.38% return on assets. No consumer complaints against First Federal Savings And Loan Association Of Central Illinois, S.B. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$226.8M
$100M–1B institution
Deposits
$193.3M
Branches
4
Capital ratio
11.2%
Top 35% of $100M–1B peers · Illinois median 10.3%
Return on assets
1.4%
Top 39% of $100M–1B peers · Illinois median 1.1%
Rank in Illinois
#73
of 328 banks

How First Federal Savings And Loan Association Of Central Illinois, S.B. compares to Illinois peers

Capital ratio
Top 35% of $100M–1B peers
First Federal
11.2%
Illinois median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 39% of $100M–1B peers
First Federal
1.4%
Illinois median
1.1%
Higher ROA = more profitable relative to asset base

How we graded First Federal Savings And Loan Association Of Central Illinois, S.B.

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.2% capital ratio)
  • Strongly profitable (ROA 1.38%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Federal Savings And Loan Association Of Central Illinois, S.B. over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (4)

  • 800 W Lincoln Ave, Charleston, IL 61920
  • 200 W Main Street, Shelbyville, IL 62565
  • 1116 Maine St, Windsor, IL 61957
  • 101 Broadway Ave E, Mattoon, IL 61938

Are deposits at First Federal Savings And Loan Association Of Central Illinois, S.B. insured?

Yes. First Federal Savings And Loan Association Of Central Illinois, S.B. is an FDIC-insured bank (FDIC certificate #29645). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Federal Savings And Loan Association Of Central Illinois, S.B.: frequently asked questions

Is First Federal Savings And Loan Association Of Central Illinois, S.B. a good bank?

First Federal Savings And Loan Association Of Central Illinois, S.B. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Strongly profitable (ROA 1.38%).

Is First Federal Savings And Loan Association Of Central Illinois, S.B. FDIC-insured?

Yes. First Federal Savings And Loan Association Of Central Illinois, S.B. is a FDIC-insured bank (FDIC certificate #29645). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Federal Savings And Loan Association Of Central Illinois, S.B.?

First Federal Savings And Loan Association Of Central Illinois, S.B. holds $227 million in total assets, ranking 73rd of 328 banks we track in Illinois. It operates 4 branches.

Does First Federal Savings And Loan Association Of Central Illinois, S.B. have CFPB complaints?

No CFPB complaints against First Federal Savings And Loan Association Of Central Illinois, S.B. appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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