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
Unfavorable gap of $14.5M · efficiency ratio beats 89% 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% | 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 |