Calera, AL · Cert 72 · Central State Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
6
Asset Quality
41
Profitability
77
Liquidity
63
Efficiency
89
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.
Calera, AL · Cert 72 · Central State Bcorp
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 1.5% share · #11 of 49 inst. · $0.8B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.34% | 1.71% | 1.76% | 1.76% | 1.75% | 1.64% | 1.69% | -7 bps | |
| Return on Equity | 15.76% | 15.18% | 19.02% | 19.57% | 19.48% | 19.11% | 17.21% | 18.60% | -98 bps | |
| Net Interest Margin | 3.76% | 3.69% | 4.12% | 4.16% | 4.09% | 4.09% | 4.12% | 3.78% | -38 bps | |
| Efficiency Ratio | 58.22% | 59.21% | 49.99% | 49.11% | 49.25% | 50.05% | 52.25% | 49.26% | +14 bps | |
| Non-Interest Burden | 1.98% | 1.99% | 1.82% | 1.81% | 1.79% | 1.82% | 1.94% | 1.66% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.02% | 15.69% | 12.74% | 14.82% | 8.80% | 11.63% | 13.34% | 23.48% | +866 bps | |
| Loan Growth (YoY) | 17.11% | 18.11% | 19.32% | 21.17% | 21.86% | 24.22% | 21.01% | 12.04% | -913 bps | |
| Deposit Growth (YoY) | 17.95% | 16.23% | 12.53% | 14.56% | 8.09% | 10.78% | 12.99% | 24.47% | +991 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.20% | 0.21% | 0.06% | 0.20% | 0.36% | 0.16% | -5 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.14% | 0.00% | 0.05% | 0.07% | 0.07% | 0.18% | 0.22% | +17 bps | |
| Allowance / Loans | 1.16% | 1.22% | 1.18% | 1.13% | 1.12% | 1.10% | 1.05% | 1.07% | -6 bps | |
| Allowance Coverage of NPLs | 13.9x | 13.4x | 5.8x | 5.3x | 17.2x | 5.5x | 2.9x | 6.6x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 9.61% | 10.07% | 9.98% | 9.83% | 10.07% | 10.15% | 8.98% | -99 bps | |
| Total Risk-Based Capital | 9.90% | 9.61% | 10.07% | 9.98% | 9.83% | 10.07% | 10.15% | 8.98% | -99 bps | |
| Equity / Assets | 8.57% | 8.88% | 9.11% | 8.98% | 9.10% | 9.60% | 9.45% | 8.37% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.14% | 72.96% | 75.32% | 76.34% | 76.81% | 81.81% | 80.67% | 68.72% | -762 bps | |
| Liquid Assets / Assets | 13.32% | 13.50% | 12.34% | 11.24% | 10.78% | 9.45% | 7.88% | 7.46% | -378 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 372% | 377% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.60% | 1.01% | 1.45% | Beats 78% | 140 / 629 | ||
| Return on Equity | 18.24% | 5.38% | 9.30% | 13.28% | Beats 91% | 57 / 629 | ||
| Net Interest Margin | 3.78% | 3.03% | 3.54% | 4.05% | Beats 62% | 239 / 629 | ||
| Efficiency Ratio | 49.26% | 58.35% | 67.79% | 79.08% | Beats 89% | 69 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 68% | 188 / 581 | ||
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 14% | 499 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.98% | 11.24% | 13.84% | 18.77% | Beats 1% | 621 / 629 | ||
| Total Risk-Based Capital Ratio | 8.98% | 11.58% | 14.43% | 19.66% | Beats 1% | 621 / 629 | ||
| Equity / Assets | 8.37% | 9.09% | 10.65% | 13.80% | Beats 15% | 535 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.72% | 67.24% | 80.90% | 93.48% | 27th pctl | 431 / 594 | ||
| Loans / Assets | 62.52% | 53.31% | 67.71% | 78.15% | 39th pctl | 384 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||