Bank · FDIC insured
Central Bank Illinois
A $1.5B bank headquartered in Geneseo, IL, with 10 branches in Illinois. Best rates: CDs 4.15% and savings 0.35% APY.
Central Bank Illinois Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#8 of 28 in Davenport, IA-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Central Bank Illinois
Founded in 1907 and headquartered in Geneseo, Illinois, Central Bank Illinois operates as a subsidiary of holding company Central Banc, Inc.
The bank operates branch locations across Illinois communities including Andover, Ashton, Fulton, Geneseo, Peru, Princeton, Sterling/Rock Falls, Oregon, and Rochelle, offering commercial, agricultural, real estate, and consumer lending alongside trust services.
- Headquarters
- 101 N State St, Geneseo, IL 61254
- FDIC certificate
- 11670 ↗
Branches
10 branches in Illinois
Loading map…
Illinois
10 branches
Davenport area · 3
- Central Bank IllinoisMain office101 N State St, Geneseo, IL 61254Directions
- Andover Branch440 Mulberry St, Andover, IL 61233Directions
- Financial Center Branch425 Us Highway 6 E, Geneseo, IL 61254Directions
Sterling area · 2
- Central Bank Fulton Branch1404 14th Ave, Fulton, IL 61252Directions
- Sterling Branch2900 E Lincolnway, Sterling, IL 61081Directions
Rochelle area · 2
- Oregon Branch307 Franklin St, Oregon, IL 61061Directions
- Main Bank340 May Mart Dr, Rochelle, IL 61068Directions
Ottawa area · 2
- Main Bank1721 Midtown Rd, Peru, IL 61354Directions
- Princeton Branch317 S Main St, Princeton, IL 61356Directions
Dixon area · 1
- Ashton Rochelle Branch803 Main St, Ashton, IL 61006Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.39% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.85% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.98% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio10.39%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.85%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Central Bank Illinois are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.