Central State Bank
Calera, AL · Cert 72 · Peer group: banks under $1B in assets (n=570-617) · 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 56 of 617).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 609 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.53%
Rank 137 of 617
Net Interest Margin
3.78%
Rank 233 of 617
Efficiency Ratio
49.26%
Rank 63 of 617
Equity / Assets
8.37%
Rank 522 of 617
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 90% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.60% | 1.01% | 1.45% | Beats 78% | 137 / 617 | |
| Return on Equity | 18.24% | 5.30% | 9.43% | 13.30% | Beats 91% | 56 / 617 | |
| Net Interest Margin | 3.78% | 3.04% | 3.54% | 4.05% | Beats 62% | 233 / 617 | |
| Efficiency Ratio | 49.26% | 58.03% | 67.76% | 79.08% | Beats 90% | 63 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.47% | 1.27% | Beats 69% | 180 / 570 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 14% | 494 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 8.98% | 11.18% | 13.83% | 18.55% | Beats 1% | 609 / 617 | |
| Total Risk-Based Capital Ratio | 8.98% | 11.56% | 14.39% | 19.39% | Beats 1% | 609 / 617 | |
| Equity / Assets | 8.37% | 9.03% | 10.55% | 13.63% | Beats 15% | 522 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 68.72% | 64.77% | 79.70% | 93.06% | 30th pctl | 408 / 582 | |
| Loans / Assets | 62.52% | 51.70% | 67.18% | 77.51% | 41st pctl | 367 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |