Central Fs&La
Cicero, Illinois · FDIC Cert #28425
Central Fs&La is an FDIC-insured bank (Certificate #28425) with $197M in total assets and $166M in total deposits as of the Q2 2024 Call Report. Headquartered in Cicero, Illinois, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.03%. BankHealthData assigns a composite Health Grade of C (51/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Central Fs&La (FDIC cert 28425) is a community bank — $197M in total assets, $166M in deposits, serving the Cicero, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.03% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.06% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Central Fs&La carries a composite BankHealth grade of C (51/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Central Fs&La
- Total Assets
- $197M
- Total Deposits
- $166M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.03%
- Liquidity Ratio
- 31.18%
- Return on Assets
- -0.06%
- Headquarters
- Cicero, Illinois
- FDIC Certificate
- #28425
- Health Grade
- C (51/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Central Fs&La holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Central Fs&La to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Central Fs&La shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Central Fs&La Compares
Central Fs&La’s Health Score of 51 is 21 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.03% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.06% is below the national ROA benchmark of ~1.1%. Among 1522 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Central Fs&La is 19 points below the portfolio average of 70.
Frequently Asked Questions
Central Fs&La has a Bank Health Score of C (51/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Central Fs&La's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Central Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28425). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Central Fs&La holds $197M in total assets and $166M in total deposits. It is headquartered in Cicero, Illinois (FDIC Certificate #28425).
Central Fs&La has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.03%, and the return on assets is -0.06%.
Yes. Central Fs&La is FDIC-insured (Certificate #28425). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Central Fs&La's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.