BanksCENTRAL STATE BANK

CENTRAL STATE BANK

CALERA, ALMediumEst. Feb. 5, 1916, midnightFDIC #72RSSD #353238FED
Latest · 2025-12-31

CENTRAL STATE BANK is an FDIC-insured commercial bank headquartered in CALERA, AL, established in Feb. 5, 1916, midnight. As of 2025-12-31, the bank reported total assets of $743M and total deposits of $666M. Profitability stands at 2.03% ROA and 21.70% ROE, with a net interest margin of 4.72%. CET1 capital ratio: 9.60%. NPL ratio: 0.20% · Texas Ratio: 1.86%. Operates 7 domestic branches.

Assets
$743M
Deposits
$666M
Loans
$545M
Equity
$71M

Profitability

Return on Assets (ROA)2.03%
Return on Equity (ROE)21.70%
Net Interest Margin4.72%
Yield on Assets7.10%
Cost of Funds2.44%

Asset Quality

NPL Ratio0.20%
Net Charge-Off Ratio0.07%
Texas Ratio1.86%
NPA Ratio0.19%
ACL / Loans1.10%

Capital & Liquidity

CET1 Ratio9.60%
Tier 1 Capital9.60%
Total Capital Ratio10.08%
Leverage Ratio10.07%
Loan-to-Deposit81.81%

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