Bank call report · Clayton, IL
Central State Bank Call Report
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Central State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 258 reported line items, schedule by schedule (437 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 152440 |
| FDIC certificate number | 8487 |
| Total assets | $175.1M |
Official Q2 2026 call report PDF (FFIEC) →
Central State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Central State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $175.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $175.1M |
| Total Liabilities and Minority Interest | RCON2948 | $143.8M |
| Total Deposits | RCON2200 | $143.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $119.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $115.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $113.0M |
| Interest-bearing Balances | RCON0071 | $39.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $31.4M |
| Total Equity Capital | RCON3210 | $31.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $31.3M |
| Deposits: Noninterest-bearing | RCON6631 | $23.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $17.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.1M |
| Other Assets | RCON2160 | $1.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$686K |
| Other Liabilities, Total | RCON2930 | $568K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $515K |
| Surplus | RCON3839 | $500K |
| Other Real Estate Owned | RCON2150 | $231K |
| Intangible Assets | RCON2143 | $52K |
| Common Stock | RCON3230 | $50K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Central State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.7M |
| Net Interest Income | RIAD4074 | $4.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.6M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.6M |
| Net Income (Loss) | RIAD4340 | $2.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.6M |
| Total Noninterest Expense | RIAD4093 | $2.2M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Salaries and Employee Benefits | RIAD4135 | $1.0M |
| Other Noninterest Expense | RIAD4092 | $1.0M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $734K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $722K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $705K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $615K |
| Total Noninterest Income | RIAD4079 | $605K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $564K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $307K |
| Other Noninterest Income | RIADB497 | $293K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $258K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $158K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $96K |
| Net Servicing Fees | RIADB492 | $62K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $61K |
| Interest on Other Securities | RIAD4060 | $44K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $39K |
| Noninterest income: Income from insurance activities | RIADHT74 | $39K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $35K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $31K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $20K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $12K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $2K |
| Provision for Loan and Lease Losses | RIAD4230 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 34 |
Schedule RC-B: Securities (19 items)
About Schedule RC-B · Central State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $8.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $8.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $18.5M |
| Pledged Securities | RCON0416 | $6.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $4.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $4.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $3.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $2.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $2.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $692K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $367K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $243K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $227K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Central State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $115.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $41.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $37.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $29.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $27.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $22.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $16.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $15.4M |
| Commercial and Industrial Loans | RCON1766 | $15.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $11.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.0M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $605K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $595K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $594K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $593K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $549K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $502K |
| Pledged Loans and Leases | RCONG378 | $200K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $165K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $143K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $108K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $16K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $722K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 188 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 35 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 34 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 34 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 34 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 23 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 19 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 19 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 18 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 17 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 5 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Central State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $101.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $93.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $60.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $51.2M |
| Total Transaction Accounts | RCON2215 | $42.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $37.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $33.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $29.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $23.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $16.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $16.4M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $15.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $11.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $9.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $7.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $4.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $635K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $567K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $322K |
| Other Expenses Accrued and Unpaid | RCON3646 | $156K |
| All Other Liabilities | RCON2938 | $82K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $8K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Central State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $178.2M |
| Quarterly Average of Total Loans | RCON3360 | $116.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $64.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $43.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $40.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $37.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $22.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $18.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $16.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $14.5M |
| Mortgage-backed Securities | RCONB559 | $13.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $7.0M |
| All Other Securities | RCONB560 | $4.8M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Central State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $621K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $500K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $208K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Central State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $231K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $131K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $52K |
| Mortgage Servicing Assets | RCON3164 | $52K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Central State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $855K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $763K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $673K |
| Additions to Nonaccrual Assets | RCONC410 | $571K |
| All Other Loans - Nonaccrual | RCON5461 | $445K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $445K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $411K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $191K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $157K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $87K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $71K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Central State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $178.2M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $143.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $121.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $31.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $14.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,517 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 171 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 47 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Central State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $178.2M |
| Average total consolidated assets | RCOAKW03 | $178.2M |
| Total Assets | RCOA2170 | $175.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $31.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $31.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $31.9M |
| Retained Earnings | RCOAKW00 | $31.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $31.3M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $4.9M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $4.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$686K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$686K |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $550K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $500K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1792 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0281 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $31.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $29.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $29.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $853K |
| Other Comprehensive Income | RIADB511 | -$186K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (14 items)
About Schedule RI-B, Part I · Central State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $149K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $138K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $62K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $35K |
| Recoveries on Automobile Loans | RIADK133 | $34K |
| Charge-offs on Automobile Loans | RIADK129 | $33K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $31K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $30K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $29K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $24K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $5K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $2K |
| Recoveries on All Other Loans | RIAD4628 | $2K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Central State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.1M |
| Allowance for Loan and Lease Losses | RIAD3123 | $2.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $149K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$2K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $40.9M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $593K |
Central State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Central State Bank call report?
The Central State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Central State Bank file?
Central State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Central State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Central State Bank has Federal Reserve RSSD ID 152440 and FDIC certificate number 8487. Either one finds its filings on the FFIEC Central Data Repository.
How often does Central State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Central State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 8487) · FFIEC NIC profile (RSSD 152440)