CENTRAL STATE BANK

CLAYTON, IL | Small | Est. May 1, 1928, midnight | FDIC #8487 | RSSD #152440 | FDIC
Latest Report: 2025-12-31

CENTRAL STATE BANK is asn small FDIC-insured commercial bank headquartered in CLAYTON, IL, established in May 1, 1928, midnight. As of 2025-12-31, the bank reported total assets of $177M and total deposits of $147M. Profitability stands at 2.06% ROA and 12.37% ROE, with a net interest margin of 4.31%. The bank's CET1 capital ratio is 16.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.44% and a Texas Ratio of 17.90%. FDIC Certificate #8487.

Assets

$177M

Deposits

$147M

Loans

$121M

Equity

$30M

Profitability

Return on Assets (ROA) 2.06%
Return on Equity (ROE) 12.37%
Net Interest Margin (NIM) 4.31%
Yield on Assets 6.48%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 4.44%
Net Charge-Off Ratio 0.49%
Texas Ratio 17.90%
NPA Ratio 3.21%
ACL / Loans 1.74%

Capital & Liquidity

CET1 Ratio 16.73%
Tier 1 Capital 16.73%
Total Capital Ratio 17.56%
Leverage Ratio 17.01%
Loan-to-Deposit 82.20%

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