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Central Bank Illinois

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Central Bank Illinois Rates & Review June 2026

Q: How many branches does Central Bank Illinois operate?

Central Bank Illinois currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Central Bank Illinois does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank Illinois provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 21, 2026

You can compare Central Bank Illinois rates to other rates in our database, including 12-month CD rates currently at 3.27%, 6-month CD rates at 0.00% and 3-month CD rates at 3.00%. Savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.24%. All these rates can be compared to Central Bank Illinois rates. MonitorBankRates evaluates the financial stability of Central Bank Illinois with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.63%. Rates were last updated on 06/21/2026.

Central Bank Illinois money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Bank Illinois? Share your experience about Central Bank Illinois by leaving a review below, or read customer reviews before you decide to use Central Bank Illinois.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.63%

Excellent Lower than avg

Central Bank Illinois

101 N State St
Geneseo, IL 61254

https://central-bank.com

Current Rate Availability

We do not have Central Bank Illinois rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Bank Illinois is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central Bank Illinois rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Bank Illinois's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Bank Illinois

Bank Holding Company CENTRAL BANC INC

Address 101 N State St, Geneseo, IL 61254 · Henry

Website https://www.central-bank.com

FDIC Certificate # 11670

Established 02/01/1907

FDIC Insurance Date 01/01/1934

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.63%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2610%

Return on Equity (ROE) 15.8400%

Non-Performing Loans (NPL) 0.04%

Total Assets $1,423,224,000

Total Deposits $1,041,868,000

Equity Capital $147,644,000

Net Income $16,584,000

Headquarters Geneseo

Total Branches and Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Central Bank Illinois

How many branches does Central Bank Illinois operate?

Central Bank Illinois currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central Bank Illinois does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank Illinois provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank Illinois offer online and mobile banking?

Most modern institutions like Central Bank Illinois provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.central-bank.com.