Central State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.25 percentage points higher than in Q1 2026, at 59.16%. Among 323 Illinois banks, Central State Bank sits 11th from the top on return on assets, 2.44% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Central State Bank reported 2.44% on return on assets in Q2 2026, 1.18 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.92% |
| Equity capital to assets | 17.85% |
| Tangible equity to tangible assets | 17.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.07% |
| Non-performing assets ratio | 2.15% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 11.29% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 59.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.44% |
| Return on equity | 13.93% |
| Net interest margin | 4.18% |
| Efficiency ratio | 49.94% |
| Yield on earning assets | 5.96% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.37% |
| Core deposits to total deposits | 88.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.82% |
| Securities to assets | 10.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.10% | 1.68% | 4.42% | 4.17% | 1.35% |
| Q4 2023 | 16.67% | 1.40% | 4.14% | 3.73% | 0.80% |
| Q1 2024 | 17.03% | 2.13% | 4.24% | 3.17% | 0.23% |
| Q2 2024 | 16.60% | 2.20% | 4.02% | 3.29% | 0.15% |
| Q3 2024 | 16.92% | 2.10% | 4.09% | 3.16% | 0.65% |
| Q4 2024 | 16.64% | 1.43% | 4.30% | 3.95% | 0.12% |
| Q1 2025 | 16.87% | 2.01% | 3.76% | 4.64% | 0.05% |
| Q2 2025 | 16.85% | 2.15% | 4.08% | 5.05% | 0.15% |
| Q3 2025 | 16.60% | -0.53% | 4.15% | 4.48% | 1.19% |
| Q4 2025 | 17.01% | 2.05% | 4.03% | 4.44% | 0.43% |
| Q1 2026 | 17.84% | 3.42% | 5.33% | 3.66% | 0.02% |
| Q2 2026 | 17.92% | 2.44% | 4.18% | 3.07% | 0.02% |
Central State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8487) · FFIEC NIC profile (RSSD 152440)