Central State Bank (Calera, AL)
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Data as of · sourced from FFIEC call reports. How we update
Central State Bank is an FDIC-insured commercial bank headquartered in Calera, AL, established in 1916 (FDIC certificate 72), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $890.7M, up 23.5% from Q2 2025, the 22nd largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.98% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 72
- Headquarters
- Calera, AL
- Established
- 1916
- Total assets, Q2 2026
- $890.7M
- Assets vs Q2 2025
- +23.5%
- Tier 1 leverage ratio, Q2 2026
- 8.98%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 062204569
- Holding company
- CENTRAL STATE BANCORPORATION
- Asset rank in state
- 22nd of 93 in Alabama
Central State Bank is one of the more profitable banks of its size. Its balance sheet stood at $891 million at June 30, 2026, up 23.5% from a year earlier; it is based in Calera, Alabama. It returns 23.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 24.5% over the year, 6.0 times the median of 4.0% for banks its size. Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Net income for the quarter rose 18% from a year earlier, to $4.4 million. Over the same year, loans grew 12.0% and deposits grew 24.5%. Where it has less room is capital: it funds 8.98% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Central State Bank reported a return on assets of 2.02%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Central State Bank is the 22nd largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 14.4% to $890.7M, loans fell 1.2% and deposits rose 15.9%. 1-4 family residential loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.7%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in AL; its Calera 3 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, Central State Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 11025 Highway 25, Calera, AL 35040
- County
- Shelby
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 5, 1916
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $810.3M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $604K
- Average total assets
- $871.5M
- Average total loans
- $564.9M
- Average interest-bearing deposits
- $636.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 72
- Fed RSSD
- 353238
- Parent Holding Company
- CENTRAL STATE BANCORPORATION (RSSD 1084593)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Central State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Central State Bank's total assets ran between $575.6M (Q4 2023) and $890.7M (Q2 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
$890.7M total assets against $721.3M; $816.1M total liabilities against $656.6M.
$550.9M net loans and leases against $491.4M; $810.3M total deposits against $651.0M.
$163.9M securities against $87.9M; $149.4M cash and balances due against $120.4M.
$12.9M total interest income against $11.3M; $4.3M total interest expense against $3.8M.
$8.6M net interest income against $7.5M.
$899K total noninterest income against $797K; $4.4M total noninterest expense against $4.0M.
$391K provision for credit losses against $252K.
$4.4M net income against $3.7M.
2.02% return on assets against 2.14%; 4.09% net interest margin against 4.43%.
8.98% tier 1 leverage ratio against 9.98%.
Inside the full Central State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central State Bank rankings
Its closest position to the top of a national ranking is 466 of 3,611, for ROA; its furthest is 2,341 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.49% (Q4 2024) to 2.14% (Q2 2025) and its net interest margin ran from 3.85% (Q3 2024) to 4.47% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.98% | 2.02% | 0.16% | 1.79% | 4.09% |
| Q1 2026 | 10.15% | 1.93% | 0.36% | 2.98% | 4.28% |
| Q4 2025 | 10.07% | 2.03% | 0.20% | 1.86% | 4.47% |
| Q3 2025 | 9.83% | 2.12% | 0.06% | 1.51% | 4.45% |
| Q2 2025 | 9.98% | 2.14% | 0.21% | 2.37% | 4.43% |
| Q1 2025 | 10.07% | 2.02% | 0.20% | 1.66% | 4.28% |
| Q4 2024 | 9.61% | 1.49% | 0.09% | 0.89% | 4.30% |
| Q3 2024 | 9.90% | 1.78% | 0.08% | 0.65% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 State Bank (main office) | Calera , AL | 35040 | $527.4M |
| Pelham Branch | Pelham , AL | 35124 | $84.9M |
| Alabaster Office Branch | Alabaster , AL | 35007 | $81.9M |
| Calera Branch | Calera , AL | 35040 | $45.9M |
| Alexander City Office Branch | Alexander City , AL | 35010 | $28.8M |
| Limestone Office Branch | Calera , AL | 35040 | $21.0M |
| Greystone Office Branch | Birmingham , AL | 35242 | $20.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AL, rank 33 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 State Bank
What are Central State Bank's total assets?
As of the Q2 2026 filing, Central State Bank reported total assets of $890.7 million in its FFIEC call report.
Where is Central State Bank headquartered?
It is headquartered in Calera, AL, United States.
When was Central State Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Central State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #72). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central State Bank?
Central State Bank's primary federal regulator is the Federal Reserve.
How many branches does Central State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central State Bank's Texas Ratio?
Its Texas Ratio is 1.79% 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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