Central Bank Illinois
Geneseo, IL
IDRSSD: 931038
Total Assets
$1.42B
Latest filing
Total Deposits
$1.04B
Latest filing
Net Interest Margin
3.76%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank Illinois
101 N State St
Geneseo, IL 61254
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/1907FDIC Certificate 7457
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Central Bank Illinois (Main) | 101 N State St | Geneseo, IL |
| ANDOVER BRANCH | 440 Mulberry St | Andover, IL |
| FINANCIAL CENTER BRANCH | 425 Us Highway 6 E | Geneseo, IL |
| OREGON BRANCH | 307 Franklin St | Oregon, IL |
| CENTRAL BANK FULTON BRANCH | 1404 14th Ave | Fulton, IL |
| PRINCETON BRANCH | 317 S Main St | Princeton, IL |
| PRINCETON LOAN OFFICE | 210 S Main St | Princeton, IL |
| PROPHETSTOWN LOAN OFFICE | 308 Washington St | Prophetstown, IL |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61254 |
| State and County Number | 17073 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Davenport-Moline-Rock Island, IA-IL |
Operational Info
| Number of Employees | 178 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | central-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 11670 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.42B |
| Total Deposits | $1.04B |
| Total Liabilities | $1.28B |
| Total Equity Capital | $147.64M |
| Net Income | $4.16M |
| Net Loans and Leases | $983.37M |
| Assets Per Employee ($Millions) | $8M |
| Bank Premises and Fixed Assets | $15.37M |
| Cash and Balances due from Depository Institutions | $44.70M |
| Deposits Held in Domestic Offices | $1.04B |
Key Performance Ratios
| Return on Assets (ROA) | 1.18% |
| Return on Equity (ROE) | 11.42% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 46.94% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.54% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.374% |
| Earning Assets to total Assets | 93.29% |
Income and Expense
| Total Interest Income | $18.99M |
| Total Noninterest Income | $2.00M |
| Total Interest Expense | $6.54M |
| Total Noninterest Expense | $6.85M |
| Net Interest Income | $12.45M |
| Pre-tax Net Operating Income | $5.68M |
| Provision for Credit Losses | $1.92M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $225.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.71M |
| Total Liabilities and Capital | $1.42B |
Securities
| Securities | $309.95M |
| Available-for-sale debt securities | $308.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank Illinois?
$1.42B as of the latest filing.
How much are Central Bank Illinois's total deposits?
$1.04B in total deposits.
Where is Central Bank Illinois located?
Geneseo, IL.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
12.
When was it established?
02/01/1907.
What is the Return on Assets (ROA)?
1.18%.
How much are total loans and leases?
$983.37M (latest filing).
What is the total interest income (latest filing)?
$18.99M.