Central State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central State Bank of Calera, AL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.02% | 1.25% | +0.77% | 86th top |
| ROAE | 23.76% | 13.17% | +10.59% | 94th top |
| Net Interest Margin | 4.09% | 3.95% | +0.14% | 57th above |
| Efficiency Ratio | 46.37% | 61.50% | -15.13% | 88th top |
| PPNR / Avg Assets | 2.34% | — | — | 84th top |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 2.16% | 1.87% | +0.29% | 28th below |
| Net Interest Spread | 3.25% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.93% | -0.78% | 68th above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans | 0.25% | 0.15% | +0.10% | 11th bottom |
| ACL / Total Loans | 1.07% | — | — | 34th below |
| ACL / NPLs (Coverage) | 700.71% | — | — | 77th top |
| Texas Ratio | 1.79% | 6.06% | -4.27% | 59th above |
| Provision / NCO | 86.75% | — | — | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.98% | 11.75% | -2.77% | 12th bottom |
| Equity / Assets | 8.37% | 10.98% | -2.61% | 17th bottom |
| TCE / Tangible Assets | 8.37% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.72% | 80.44% | -11.72% | 73rd above |
| Core Deposit Ratio | 85.94% | 86.95% | -1.01% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.48% | — | — | 96th top |
| Loan Growth (Y/Y) | 12.04% | — | — | 79th top |
| Deposit Growth (Y/Y) | 24.47% | — | — | 96th top |
See Central State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central State Bank profile, how to read a UBPR, or how this data updates.