Central State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 11.95 percentage points in Q2 2026, from 80.67% to 68.72%. It was the largest change from Q1 2026 among the key lines here. Central State Bank ranks 49th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 68.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Central State Bank sits 11.83 points lower, at 68.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $556.8M |
| Net loans and leases | $550.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.52% |
| Loan-to-deposit ratio | 68.72% |
| Net loans to equity capital | 7.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.37% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 12.42% |
| Consumer | 2.60% |
| Credit cards | 0.15% |
| Farm | 0.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.55% |
| Construction concentration (Tier 1 capital + allowance) | 127.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.48% |
| Interest income on loans | $10.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $360.6M | $525.5M | 28.50% | 11.58% | 3.59% |
| Q4 2023 | $371.6M | $517.6M | 27.51% | 11.55% | 3.92% |
| Q1 2024 | $390.4M | $549.6M | 27.02% | 12.30% | 3.24% |
| Q2 2024 | $410.1M | $568.3M | 28.42% | 11.98% | 3.32% |
| Q3 2024 | $422.4M | $619.9M | 28.97% | 12.73% | 3.24% |
| Q4 2024 | $438.9M | $601.6M | 31.03% | 12.55% | 3.21% |
| Q1 2025 | $465.9M | $618.5M | 31.81% | 12.27% | 3.17% |
| Q2 2025 | $497.0M | $651.0M | 31.69% | 12.68% | 2.88% |
| Q3 2025 | $514.7M | $670.0M | 31.90% | 12.79% | 2.75% |
| Q4 2025 | $545.2M | $666.5M | 30.80% | 13.33% | 2.60% |
| Q1 2026 | $563.8M | $698.9M | 29.88% | 12.32% | 2.49% |
| Q2 2026 | $556.8M | $810.3M | 31.37% | 12.42% | 2.60% |
Central State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central State Bank, freeSource: Call Report Schedule RC-C, 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 72) · FFIEC NIC profile (RSSD 353238)