CENTRAL BANK

SAVANNAH, TN | Small | Est. June 30, 1967, midnight | FDIC #31545 | RSSD #265676 | FDIC
Latest Report: 2025-12-31

CENTRAL BANK is asn small FDIC-insured commercial bank headquartered in SAVANNAH, TN, established in June 30, 1967, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $134M. Profitability stands at 0.95% ROA and 8.42% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 20.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.53%. FDIC Certificate #31545.

Assets

$153M

Deposits

$134M

Loans

$104M

Equity

$17M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 8.42%
Net Interest Margin (NIM) 4.15%
Yield on Assets 5.88%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.53%
NPA Ratio 0.06%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 20.74%
Tier 1 Capital 20.74%
Total Capital Ratio 21.99%
Leverage Ratio 12.39%
Loan-to-Deposit 77.54%

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