Central Bank Illinois

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Overview / Commentary

www.central-bank.com

309-944-5601

101 North State Street
Geneseo, IL 61254

Central Bank Illinois is headquartered in GENESEO and is the 47^th largest bank in the state of Illinois. It is also the 831^st largest bank in the nation. It was established in 1907 and as of March of 2023, it had grown to 170 employees at 12 locations. Central Bank Illinois' money market rates are 2X the national average, and it has a B+ health rating.

Related Posts

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2016

7/24 - CD Rate Special

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Health

B+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	11670
Year Established	1907
Employees	170
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	12.29%
Annual Interest Income	$12.9MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.25B$1.15B
Loans	Q1 2023vs Q1 2022	$740.9MM$585.8MM
Deposits	Q1 2023vs Q1 2022	$921.3MM$937.4MM
Equity Capital	Q1 2023vs Q1 2022	$101.5MM$109.0MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$9.2MM$7.1MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$146.00K$5.1MM
Real Estate Owned	Q1 2023vs Q1 2022	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Central Bank Illinois; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Central Bank Illinois Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.00%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.25%^†	-	-	Statement Savings Account - Geneseo/Andover
0.25%^*^†	$10k^*	-	Health Savings Accounts - Geneseo/Andover
OTHER TIERS: 0.05% → Up to $1k \| 0.10% → $1k - $5k \| 0.15% → $5k - $10k
0.10%^*^†	$1k^*	-	Educational IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → Up to $1k
0.10%^*^†	$1k^*	-	Traditional IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → Up to $1k
0.10%^*^†	$1k^*	-	Roth IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → Up to $1k

Central Bank Illinois Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.05%^*^†	$500k^*	-	Personal Premium Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.60% → $25k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $250k \| 0.95% → $250k - $500k
1.05%^*^†	$500k^*	-	Business Premium Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.60% → $25k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $250k \| 0.95% → $250k - $500k
0.60%^*^†	$25k^*	-	Personal Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.30% → $1k - $5k \| 0.40% → $5k - $25k
0.60%^*^†	$25k^*	-	Business Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.30% → $1k - $5k \| 0.40% → $5k - $25k

Central Bank Illinois Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.15%^*^†	-	$20k	Kasasa Cash Checking
OTHER TIERS: 0.20% → $20k+
0.20%^*^†	$10k^*	-	Image Plus Checking Account - Geneseo/Andover
OTHER TIERS: 0.15% → $2k - $5k \| 0.17% → $5k - $10k

Central Bank Illinois CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*^†	$25k^*	-	60 Month CD - Geneseo/Andover
OTHER TIERS: 1.75% → $1k - $25k
1.75%^*^†	$25k^*	-	30 Month CD - Geneseo/Andover
OTHER TIERS: 1.50% → $1k - $25k
1.50%^*^†	$25k^*	-	18 Month CD - Geneseo/Andover
OTHER TIERS: 1.25% → $1k - $25k
1.25%^*^†	$25k^*	-	12 Month CD - Geneseo/Andover
OTHER TIERS: 1.00% → $1k - $25k
0.75%^*^†	$25k^*	-	182 Day CD - Geneseo/Andover
OTHER TIERS: 0.60% → $1k - $25k
0.60%^*^†	$25k^*	-	91 Day CD - Geneseo/Andover
OTHER TIERS: 0.50% → $1k - $25k

Locations

Cities: Andover, Ashton, Fulton, Geneseo, Oregon, Peru, Princeton, Rochelle, Sterling

Andover Branches
Andover Branch	State Road 81 and Mulberry Street	Andover, IL 61233

Ashton Branches
Ashton Rochelle Branch	803 Main Street	Ashton, IL 61006

Fulton Branches
Central Bank Fulton Branch	1404 14th Avenue	Fulton, IL 61252

Geneseo Branches
Central Bank Illinois	101 N State St	Geneseo, IL 61254
Financial Center Branch	425 Us Highway 6 East	Geneseo, IL 61254

Oregon Branches
Oregon Branch	307 Franklin Street	Oregon, IL 61061

Peru Branches
Main Bank	1721 Midtown Road	Peru, IL 61354

Princeton Branches
Princeton Branch	317 South Main Street	Princeton, IL 61356

Rochelle Branches
Main Bank	340 May Mart Drive	Rochelle, IL 61068

Sterling Branches
Sterling Branch	2607 E Lincolnway	Sterling, IL 61081

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