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Central State Bank

Calera, AL · Cert 72 · Central State Bcorp

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central State Bank

Calera, AL · Cert 72 · Central State Bcorp

State charter, Fed member · FED · 7 branches

Q2 2026

$890.7MAssets
$556.8MLoans
$810.3MDeposits
$74.6MEquity
Loan mix
85%RE $474.5M12%C&I $69.4M3%Consumer $14.0MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $649.1M20%Noninterest $161.2MQ2 2025Q2 2026

NIM

6.13%Q2 ’246.28%Q2 ’255.66%Q2 ’26+5%-9%

Non-interest income vs. expense

2.76%Q2 ’242.27%Q2 ’252.06%Q2 ’26-19%-8%

Market Position · Birmingham, AL · 2026 SOD (annual) · 1.5% share · #11 of 49 inst. · $0.8B of $53.8B

17.0% Shelby
3.2% Tallapoosa

Executive Summary

  • Earnings: ROA of 1.69%, down 7 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.16% of loans (-5 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 8.98%, down 99 bps from a year ago.
  • Funding: loans stand at 68.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-38 bps YoY

Efficiency Ratio (YTD, annualized)

49.26%+14 bps YoY

Tier 1 Leverage Ratio

8.98%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.76%1.75%1.64%1.69%-7 bps
Return on Equity19.57%19.48%19.11%17.21%18.60%-98 bps
Net Interest Margin4.16%4.09%4.09%4.12%3.78%-38 bps
Efficiency Ratio49.11%49.25%50.05%52.25%49.26%+14 bps
Non-Interest Burden1.81%1.79%1.82%1.94%1.66%-15 bps
Growth
Asset Growth (YoY)14.82%8.80%11.63%13.34%23.48%+866 bps
Loan Growth (YoY)21.17%21.86%24.22%21.01%12.04%-913 bps
Deposit Growth (YoY)14.56%8.09%10.78%12.99%24.47%+991 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.06%0.20%0.36%0.16%-5 bps
Net Charge-Offs / Loans0.05%0.07%0.07%0.18%0.22%+17 bps
Allowance / Loans1.13%1.12%1.10%1.05%1.07%-6 bps
Allowance Coverage of NPLs5.3x17.2x5.5x2.9x6.6x+1.3x
Capital
Tier 1 Leverage Ratio9.98%9.83%10.07%10.15%8.98%-99 bps
Total Risk-Based Capital9.98%9.83%10.07%10.15%8.98%-99 bps
Equity / Assets8.98%9.10%9.60%9.45%8.37%-61 bps
Liquidity & Funding
Loans / Deposits76.34%76.81%81.81%80.67%68.72%-762 bps
Liquid Assets / Assets11.24%10.78%9.45%7.88%7.46%-378 bps
CRE / Total Capitaln/a373%372%377%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Central State Bank

Calera, AL · Cert 72 · Peer group: banks under $1B in assets (n=581-629) · Central State Bcorp

State charter, Fed member · FED · 7 branches

Q2 2026

$890.7MAssets
$556.8MLoans
$810.3MDeposits
$74.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 91% of banks under $1B in assets (rank 57 of 629).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 621 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.53%

Rank 140 of 629

Net Interest Margin

3.78%

Rank 239 of 629

Efficiency Ratio

49.26%

Rank 69 of 629

Equity / Assets

8.37%

Rank 535 of 629

Non-interest income vs. expense

$3.5M$17.9MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 89% of banks under $1B in assets
Bank 49.26%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.60%1.01%1.45%Beats 78%140 / 629
Return on Equity18.24%5.38%9.30%13.28%Beats 91%57 / 629
Net Interest Margin3.78%3.03%3.54%4.05%Beats 62%239 / 629
Efficiency Ratio49.26%58.35%67.79%79.08%Beats 89%69 / 629
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.46%1.20%Beats 68%188 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 14%499 / 581
Capital
Tier 1 Capital Ratio8.98%11.24%13.84%18.77%Beats 1%621 / 629
Total Risk-Based Capital Ratio8.98%11.58%14.43%19.66%Beats 1%621 / 629
Equity / Assets8.37%9.09%10.65%13.80%Beats 15%535 / 629
Liquidity & Funding
Loans / Deposits68.72%67.24%80.90%93.48%27th pctl431 / 594
Loans / Assets62.52%53.31%67.71%78.15%39th pctl384 / 629
Brokered Deposits / Depositsn/aNot reported for this institution