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 Central Bank Illinois Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
Central Bank Illinois's top rates as of October 14, 2026 are 4.15% APY on its 19-Months 19-Month Special Term Certificate, 0.25% APY on savings, 1.06% APY on money market accounts, and 1.15% APY on checking, according to rates verified by MonitorBankRates. Other Central Bank Illinois CD rates include 19-Months Certificate of Deposit - 19-Month at 4.15%, 13-Months 13-Month Special Term Certificate at 4.10%, and 13-Months Certificate of Deposit - 13-Month at 4.10%. 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 15.39%. Rates last updated and verified on 10/14/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Central Bank Illinois CD Rates
Central Bank Illinois Savings Rates
Central Bank Illinois Money Market Rates
Central Bank Illinois Checking Rates
Central Bank Illinois Other Rates
Financial Health HistoryCentral Bank Illinois’s Texas Ratio rose from 0.63% in Q3 2023 to 15.39% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
Central Bank Illinois
Website
https://www.central-bank.com
Address
101 N State St,
Geneseo, IL 61254 · Henry
Bank Holding Company
CENTRAL BANC INC
FDIC Certificate #
11670
Regulator
FDIC
Established
February 1, 1907
FDIC Insurance Date
January 1, 1934
Domestic Offices
12
Total Branches
12
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (92/100)
Texas Ratio
15.39%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9754%
Return on Equity (ROE)
9.5000%
Non-Performing Loans Ratio (NPL)
1.31%
Total Assets
$1,462,374,000
Total Deposits
$1,118,252,000
Equity Capital
$151,996,000
Net Income
$7,088,000
Headquarters
Geneseo
Total Branches and Offices
12
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Central Bank Illinois
Frequently Asked Questions About Central Bank IllinoisHow 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. Current Central Bank Illinois Rates
Retrieved from our database of financial products. Rates subject to change.
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