CENTRAL SAVINGS, F.S.B.

CHICAGO, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1893FDIC #27,910

Outstanding Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

1601 W Belmont Ave, CHICAGO, IL

County

Cook County

Established

January 1, 1893

Total Assets

$119M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 9, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$119M

Total Deposits

$87M

Net Loans

$95M

Net Income

$225K

ROA

0.74%

Above avg for Small banks. Peer avg: 0.44%

ROE

3.04%

Risk-Based Capital

35.81%

Above avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.74%Peer avg: 0.44%▲ Above avg

Risk-Based Capital35.81%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate4.76%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$89M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	21	80.95%	4.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2024	Outstanding	Small Bank
Jun 2019	Outstanding	Small Bank
Jun 2013	Outstanding	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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