Bank · FDIC insured
First Federal Savings & Loan Association of Central Illinois S.B.
A $235M bank headquartered in Shelbyville, IL, with 4 branches in Illinois. Best rates: CDs 3.05% and savings 0.75% APY.
First Federal Savings & Loan Association of Central Illinois S.B. Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#5 of 8 in Charleston, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal Savings & Loan Association of Central Illinois S.B.
First Federal Savings and Loan Association of Central Illinois, S.B. is a locally owned and managed financial institution operating offices in Shelbyville, Windsor, Charleston, and Mattoon, Illinois.
Formed through the 2008 merger of First Federal Savings & Loan Association of Shelbyville and Charleston Federal, its predecessor institutions were originally chartered in 1905 and 1882, respectively.
- Headquarters
- 200 W Main Street, Shelbyville, IL 62565
- FDIC certificate
- 29645 ↗
Branches
4 branches in Illinois
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Illinois
4 branches
Charleston area · 2
- Charleston Branch800 W Lincoln Ave, Charleston, IL 61920Directions
- Mattoon Branch101 Broadway Ave E, Mattoon, IL 61938Directions
Shelbyville area · 1
- First Federal Savings and Loan Association of Central Illinois, S.B.Main office200 W Main Street, Shelbyville, IL 62565Directions
Windsor area · 1
- Windsor Branch1116 Maine St, Windsor, IL 61957Directions
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 | 10.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.70% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.96% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio10.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 First Federal Savings & Loan Association of Central Illinois S.B. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.