Central Bank (Savannah, TN)
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Data as of · sourced from FFIEC call reports. How we update
Central Bank is an FDIC-insured commercial bank headquartered in Savannah, TN, established in 1967 (FDIC certificate 31545), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $160.2M, up 10.2% from Q2 2025, the 97th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 19.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31545
- Headquarters
- Savannah, TN
- Established
- 1967
- Total assets, Q2 2026
- $160.2M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 19.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 284373838
- Asset rank in state
- 97th of 109 in Tennessee
Central Bank, based in Savannah, Tennessee, reported $160 million in assets at June 30, 2026, up 10.2% from a year earlier. It grew its loan book 24.7% over the year, 4.5 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $200,000 was 34% below a year earlier. Over the same year, loans grew 24.7% and deposits grew 10.5%. Profitability lags: it earns about $0.49 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Central Bank reported a CET1 capital ratio of 19.79%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Central Bank is the 97th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $160.2M, loans rose 4.4% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.0% of total loans, ahead of owner-occupied commercial real estate loans at 11.8%. The FDIC Summary of Deposits lists 3 offices for it, in Savannah, TN, Adamsville, TN and Counce, TN; its Savannah office books 77% of its branch deposits. On its Q2 2026 call report, Central Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 485 Wayne Rd, Savannah, TN 38372
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 30, 1967
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $141.1M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $356K
- Average total assets
- $163.2M
- Average total loans
- $113.1M
- Average interest-bearing deposits
- $92.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31545
- Fed RSSD
- 265676
- Website
- http://www.CENTRALBANKTN.COM →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central Bank's total assets ran between $132.6M (Q1 2024) and $164.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$160.2M total assets against $145.5M; $142.8M total liabilities against $129.4M.
$114.1M net loans and leases against $91.3M; $141.1M total deposits against $127.7M.
$29.4M securities against $31.8M; $7.9M cash and balances due against $13.9M.
$2.2M total interest income against $1.9M; $594K total interest expense against $520K.
$1.6M net interest income against $1.4M.
$319K total noninterest income against $311K; $1.3M total noninterest expense against $1.3M.
$372K provision for credit losses against $5K.
$200K net income against $302K.
0.49% return on assets against 0.82%; 4.24% net interest margin against 4.00%.
19.79% CET1 capital ratio against 22.23%; 11.95% tier 1 leverage ratio against 12.65%.
Inside the full Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentral Bank rankings
Its closest position to the top of a national ranking is 351 of 2,134, for CET1 ratio; its furthest is 3,342 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q2 2026) to 0.99% (Q1 2026) and its net interest margin ran from 3.86% (Q1 2025) to 4.24% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.79% | 0.49% | 0.00% | 0.01% | 4.24% |
| Q1 2026 | 20.08% | 0.99% | 0.88% | 5.30% | 4.00% |
| Q4 2025 | 20.74% | 0.93% | 0.09% | 0.53% | 3.98% |
| Q3 2025 | 21.64% | 0.66% | 0.10% | 0.56% | 4.01% |
| Q2 2025 | 22.23% | 0.82% | 0.11% | 0.61% | 4.00% |
| Q1 2025 | 22.45% | 0.82% | 0.14% | 0.74% | 3.86% |
| Q4 2024 | 22.71% | 0.75% | 0.04% | 0.23% | 3.88% |
| Q3 2024 | 22.82% | 0.97% | 0.08% | 0.39% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank (main office) | Savannah , TN | 38372 | $108.1M |
| East Main Street Branch | Adamsville , TN | 38310 | $17.0M |
| Counce Branch | Counce , TN | 38326 | $16.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 131 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $147K approved, $147K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central Bank
What are Central Bank's total assets?
As of the Q2 2026 filing, Central Bank reported total assets of $160.2 million in its FFIEC call report.
Where is Central Bank headquartered?
It is headquartered in Savannah, TN, United States.
When was Central Bank founded?
It was established in 1967, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank?
Central Bank's primary federal regulator is the FDIC.
What is Central Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank's Texas Ratio?
Its Texas Ratio is 0.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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