Central Federal Savings and Loan Association
Cicero, IL
IDRSSD: 467470
Total Assets
$193.79M
Latest filing
Total Deposits
$170.17M
Latest filing
Net Interest Margin
2.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central Federal Savings and Loan Association
5953 W Cermak Rd
Cicero, IL 60804
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1892FDIC Certificate 41259
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central Federal Savings and Loan Association (Main) | 5953 W Cermak Rd | Cicero, IL |
| 6940 W OGDEN AVE BRANCH | 6940 Ogden Ave | Berwyn, IL |
| LA GRANGE PARK BRANCH | 1921 E 31st St | La Grange Park, IL |
Showing 2 of 2
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1892 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 60804 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 42 |
| Domestic Offices | 3 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.centralfederalsavings.com |
| Data Updated | 01/30/2026 |
| CERT | 28425 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $193.79M |
| Total Deposits | $170.17M |
| Total Liabilities | $174.79M |
| Total Equity Capital | $19.01M |
| Net Income | $34.00k |
| Net Loans and Leases | $137.90M |
| Assets Per Employee ($Millions) | $4.61M |
| Bank Premises and Fixed Assets | $4.30M |
| Cash and Balances due from Depository Institutions | $18.53M |
| Deposits Held in Domestic Offices | $170.17M |
Key Performance Ratios
| Return on Assets (ROA) | 0.07% |
| Return on Equity (ROE) | 0.72% |
| Net Interest Margin | 2.8% |
| Efficiency Ratio | 96.97% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.808% |
| Earning Assets to total Assets | 95.51% |
Income and Expense
| Total Interest Income | $2.21M |
| Total Noninterest Income | $28.00k |
| Total Interest Expense | $919.00k |
| Total Noninterest Expense | $1.28M |
| Net Interest Income | $1.29M |
| Pre-tax Net Operating Income | $39.00k |
| Provision for Credit Losses | $0 |
| 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 | $3.71M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $906.00k |
| Total Liabilities and Capital | $193.79M |
Securities
| Securities | $29.93M |
| Available-for-sale debt securities | $29.93M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Federal Savings and Loan Association?
$193.79M as of the latest filing.
How much are Central Federal Savings and Loan Association's total deposits?
$170.17M in total deposits.
Where is Central Federal Savings and Loan Association located?
Cicero, IL.
What is the Net Interest Margin?
2.80%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1892.
What is the Return on Assets (ROA)?
0.07%.
How much are total loans and leases?
$137.90M (latest filing).
What is the total interest income (latest filing)?
$2.21M.