Central Federal Savings and Loan Association of Rolla

Headquarters

210 W 10th St
Rolla, MO 65401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.71% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Central Federal Savings and Loan Association of Rolla is an FDIC insured institution located in Rolla, MO. It was founded in 1952 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30664
Date Established 1952
Assets $ 70.31 million
Loans $ 52.21 million
Deposits $ 47.29 million
Capital $ 21.24 million
 

For a more detailed analysis of Central Federal Savings and Loan Association of Rolla's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Central Federal Savings and Loan Association of Rolla

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Note to Central Federal Savings and Loan Association of Rolla
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Branches

Central Federal Savings and Loan Association of Rolla branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Central Federal Savings and Loan Association of Rolla Locations


Financial Details

Central Federal Savings and Loan Association of Rolla Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Federal Savings and Loan Association of Rolla. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Central Federal Savings and Loan Association of Rolla U.S. Bank Average
0.37% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, Central Federal Savings and Loan Association of Rolla had $79,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,237,000 in equity and $294,000 in loans loss reserves. That gives it a Texas Ratio of 0.37%.

Return on Equity
Central Federal Savings and Loan Association of Rolla U.S. Bank Average
0.89% 9.23%

Central Federal Savings and Loan Association of Rolla has a Return on Equity of 0.89% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Central Federal Savings and Loan Association of Rolla U.S. Bank Average
30.2% 12.07%

Central Federal Savings and Loan Association of Rolla has a Capitalization of 30.2% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Central Federal Savings and Loan Association of Rolla Balance Sheet Analysis

As of March 31, 2020, Central Federal Savings and Loan Association of Rolla had assets of $69,853,000, loans of $52,211,000, and deposits of $47,288,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 11.10 million
Interest-bearing balances $ 10.43 million
Total securities $ 4.39 million
Federal funds sold and reverse repurchase $ 1.08 million
Net loans and leases $ 52.21 million
Loan loss allowance $ 0.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.42 million
     Total Assets $ 48.62 million
LIABILITIES
Total deposits $ 47.29 million
      Interest-bearing deposits $ 40.26 million
      Deposits held in domestic offices $ 47.29 million
      % insured (estimated) 90.44%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.27 million
Subordinated debt N.A.
All other liabilities $ 0.06 million
      Total Liabilities $ 48.62 million
      Shareholders’ Equity $ 21.70 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.67 million
Total Interest Expense $ 0.11 million
Net interest income $ 0.56 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.05 million
Total non interest expense $ 0.52 million
Pre-tax Net Operating Income $ 0.09 million

Bank Loan Profile?

The top three loan types in Central Federal Savings and Loan Association of Rolla’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial Real Estate.

Compared to other banks in Missouri, Central Federal Savings and Loan Association of Rolla has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 52.54
Multifamily
Mortgages
23.34
Credit Card Loans 0.00
Consumer Auto Loans 0.90
Small Business Loans 0.00
Construction and Development Loans 2.32
Commercial Real Estate 15.42
Commercial and Industrial Loans 3.88
Farm Loans 0.09

Frequently Asked Questions About Central Federal Savings And Loan Association Of Rolla

Branches and Savings

Is Central Federal Savings And Loan Association Of Rolla FDIC insured?

Yes. It is covered under FDIC Certificate #30664.

Why does Central Federal Savings And Loan Association Of Rolla pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Central Federal Savings And Loan Association Of Rolla CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Central Federal Savings And Loan Association Of Rolla a commercial bank?

Yes

Where are Central Federal Savings And Loan Association Of Rolla locations?

See branch locations nearby.

Is Central Federal Savings And Loan Association Of Rolla open on Saturdays?

Is Central Federal Savings And Loan Association Of Rolla open on Sundays?

What time does Central Federal Savings And Loan Association Of Rolla open?

What time does Central Federal Savings And Loan Association Of Rolla close?

Are Central Federal Savings And Loan Association Of Rolla ATMs Open 24/7?

Do Central Federal Savings And Loan Association Of Rolla ATMs accept cash deposits?

Can Central Federal Savings And Loan Association Of Rolla customers use other ATMs?

Do Central Federal Savings And Loan Association Of Rolla branches have notaries?

Will Central Federal Savings And Loan Association Of Rolla notarize my document?

What address for Central Federal Savings And Loan Association Of Rolla should I put for incoming ACH transfers?

Will the Central Federal Savings And Loan Association Of Rolla branch print checks?

Do Central Federal Savings And Loan Association Of Rolla checks expire?

Does Central Federal Savings And Loan Association Of Rolla require US citizenship to open account?

Can Central Federal Savings And Loan Association Of Rolla close my account?

Does Central Federal Savings And Loan Association Of Rolla Report to credit bureaus?

Does Central Federal Savings And Loan Association Of Rolla Use Equifax?

What is Central Federal Savings And Loan Association Of Rolla's ACH Routing Number?

What is Central Federal Savings And Loan Association Of Rolla's SWIFT code?

Products

Does Central Federal Savings And Loan Association Of Rolla offer mortgages?

Compare mortgage rates here.

Does Central Federal Savings And Loan Association Of Rolla offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Federal Savings And Loan Association Of Rolla offer personal loans?

Compare personal loan rates here.

Does Central Federal Savings And Loan Association Of Rolla offer student loans?

Will Central Federal Savings And Loan Association Of Rolla cash a check?

Will Central Federal Savings And Loan Association Of Rolla redeem a savings bond?

Does Central Federal Savings And Loan Association Of Rolla cash savings bonds?

Will Central Federal Savings And Loan Association Of Rolla cash money orders?

Can Central Federal Savings And Loan Association Of Rolla issue a money order?

Does Central Federal Savings And Loan Association Of Rolla do currency exchange?

Background on The Bank

Who owns Central Federal Savings And Loan Association Of Rolla?

How long has Central Federal Savings And Loan Association Of Rolla been around?

Can Central Federal Savings And Loan Association Of Rolla transfer to other banks?

Does Central Federal Savings And Loan Association Of Rolla have quick pay?

Does Central Federal Savings And Loan Association Of Rolla accept rolled coins?

Will Central Federal Savings And Loan Association Of Rolla accept loose change?

Where is Central Federal Savings And Loan Association Of Rolla headquarters?

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