Bank Safety Analysis
Is Central State Bank Safe? Clayton, Illinois
Based on its Q2 2026 call report, Central State Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 11.29%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Central State Bank's Community Bank Leverage Ratio is 17.92%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 17.92%
- Texas ratio (Q2 2026): 11.29%
- Noncurrent loans ratio (Q2 2026): 3.07%
Central State Bank is an FDIC-insured commercial bank (FDIC Certificate #8487). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Central State Bank is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: non-performing loan ratio. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in net interest margin: 1.15 percentage points lower than in Q1 2026, at 4.18%. On leverage ratio, Central State Bank ranks 16th highest among the 319 banks headquartered in Illinois, at 17.92% (Q2 2026). Against a median of 10.95% for banks in the $100M-1B asset tier, Central State Bank reported 17.92% on leverage ratio in Q2 2026, 6.97 points higher. From Q3 2023 to Q2 2026, Central State Bank's Texas ratio ranged between 11.29% (Q2 2026) and 23.04% (Q2 2025). Between Q2 2025 and Q2 2026, Central State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 5.05% to 3.07%, Texas ratio fell from 23.04% to 11.29% and return on assets rose from 2.15% to 2.44%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.917 for the 1-year horizon (v20261020_012009). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 17.92% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 17.92% is above the 5% well-capitalized threshold.
Nonperforming loans at 3.07% are at a stress-band level above 3%.
Texas Ratio of 11.3% is well below the 100% historical failure threshold.
Efficiency ratio of 49.9% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 11.29% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 3.07% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 80.37% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 10.80% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 11.29% |
| Q1 2026 | 13.72% |
| Q4 2025 | 17.90% |
| Q3 2025 | 19.48% |
| Q2 2025 | 23.04% |
| Q1 2025 | 21.23% |
| Q4 2024 | 19.42% |
| Q3 2024 | 16.49% |
| Q2 2024 | 17.08% |
| Q1 2024 | 16.36% |
| Q4 2023 | 19.73% |
| Q3 2023 | 22.61% |
Central State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 3.07% | 11.29% | 2.44% |
| Mar 31, 2026 | — | 3.66% | 13.72% | 3.42% |
| Dec 31, 2025 | — | 4.44% | 17.90% | 2.05% |
| Sep 30, 2025 | — | 4.48% | 19.48% | -0.53% |
| Jun 30, 2025 | — | 5.05% | 23.04% | 2.15% |
| Mar 31, 2025 | — | 4.64% | 21.23% | 2.01% |
| Dec 31, 2024 | — | 3.95% | 19.42% | 1.43% |
| Sep 30, 2024 | — | 3.16% | 16.49% | 2.10% |
| Jun 30, 2024 | — | 3.29% | 17.08% | 2.20% |
| Mar 31, 2024 | — | 3.17% | 16.36% | 2.13% |
| Dec 31, 2023 | — | 3.73% | 19.73% | 1.40% |
| Sep 30, 2023 | — | 4.17% | 22.61% | 1.68% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Central State Bank FDIC insured?
Yes. Central State Bank is an FDIC-insured commercial bank (FDIC Certificate #8487). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Central State Bank well capitalized?
On its Q2 2026 call report, Central State Bank's Community Bank Leverage Ratio is 17.92%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Central State Bank's key safety ratios?
For Q2 2026, Central State Bank reports leverage 17.92%, Texas ratio 11.29%, noncurrent loans 3.07%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Central State Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 8487) · FFIEC NIC profile (RSSD 152440)
Explore: Full Central State Bank profile · Other banks in IL · Metric glossary · How the call report works