Central Bank
Savannah, TN · Cert 31545 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
$160.2MAssets
$115.2MLoans
$141.1MDeposits
$17.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets operating in a single state (rank 110 of 743).
- Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating in a single state (rank 709 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.74%
Rank 549 of 746
Net Interest Margin
3.83%
Rank 320 of 746
Efficiency Ratio
69.18%
Rank 453 of 746
Equity / Assets
10.90%
Rank 331 of 746
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.72% | 1.06% | 1.45% | Beats 26% | 549 / 746 | | |
| Return on Equity | 6.80% | 6.74% | 10.51% | 13.63% | Beats 25% | 556 / 746 | | |
| Net Interest Margin | 3.83% | 3.17% | 3.68% | 4.16% | Beats 57% | 320 / 746 | | |
| Efficiency Ratio | 69.18% | 55.74% | 64.58% | 75.47% | Beats 39% | 453 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 85% | 110 / 743 | | |
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.01% | 0.05% | Beats 5% | 709 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 19.79% | 11.55% | 13.75% | 17.60% | Beats 82% | 131 / 746 | | |
| Total Risk-Based Capital Ratio | 21.04% | 11.71% | 14.33% | 18.43% | Beats 83% | 127 / 746 | | |
| Equity / Assets | 10.90% | 8.90% | 10.51% | 13.06% | Beats 56% | 331 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.65% | 61.31% | 78.27% | 90.78% | 57th pctl | 324 / 746 | | |
| Loans / Assets | 71.92% | 53.60% | 66.97% | 76.08% | 63rd pctl | 279 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |