Central Bank Illinois (FDIC #11670): Bank Stress & Real-Estate Credit Exposure

Central Bank Illinois (FDIC Cert #11670): bank stress 70/100, elevated, STABLE over 7 days; parent CENTRAL BANC INC.

Central Bank Illinois (#11670) lends in 6 counties across 1 state; Central Bank Illinois (#11670) reaches 126 ZIP codes: Illinois 6 counties, 126 ZIPs.

Central Bank Illinois (#11670) largest markets: Bureau County, IL (31 branches, 31 ZIPs) (#11670), Lasalle County, IL (29 branches, 29 ZIPs) (#11670), Ogle County, IL (54 branches, 27 ZIPs) (#11670), Henry County, IL (72 branches, 24 ZIPs) (#11670), Lee County, IL (24 branches, 24 ZIPs) (#11670), Whiteside County, IL (30 branches, 15 ZIPs) (#11670).

Central Bank Illinois (#11670) reports $1.46 billion in total assets; Central Bank Illinois (#11670) equity $152.0 million (10.4% of Central Bank Illinois (#11670) assets); Central Bank Illinois (#11670) domestic deposits $1.12 billion; Central Bank Illinois (#11670) net income $7.1 million; Central Bank Illinois (#11670) return on assets 0.98%; Central Bank Illinois (#11670) return on equity 9.50%; Central Bank Illinois (#11670) net interest income $25.0 million; Central Bank Illinois (#11670) call report June 30, 2026.

Central Bank Illinois (#11670) noncurrent real-estate loans: none reported; Central Bank Illinois (#11670) net charge-offs on real estate 1.65%; Central Bank Illinois (#11670) residential charge-offs 1.89%.

Central Bank Illinois (#11670) net interest margin 3.68% against an eight-quarter Central Bank Illinois (#11670) average of 3.57% (Central Bank Illinois (#11670) compression -0.11 points); Central Bank Illinois (#11670) non-residential real estate 188.7% of equity; Central Bank Illinois (#11670) rate-exposure score 40/100, Central Bank Illinois (#11670) fixed-rate trap 40/100; Central Bank Illinois (#11670) risk type credit driven; Central Bank Illinois (#11670) rate regime rates elevated, Central Bank Illinois (#11670) snapshot October 19, 2026.

Central Bank Illinois (#11670) stress score moved from 77.2 on June 22, 2026 to 69.6 on October 19, 2026; Central Bank Illinois (#11670) ranged 69.6 to 77.2 over 116 snapshots.

Central Bank Illinois (#11670) alerts: 6 counties; top Central Bank Illinois (#11670) alert scores: Ashton County, IL 24 (low); Geneseo County, IL 24 (low); Peru County, IL 24 (low); Princeton County, IL 24 (low); Rochelle County, IL 24 (low).