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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.16% | 1.71% | 1.81% | 1.75% | 1.68% | 1.64% | 1.77% | -5 bps | |
| Return on Equity | 16.94% | 13.31% | 19.02% | 20.06% | 19.33% | 17.97% | 17.21% | 19.92% | -14 bps | |
| Net Interest Margin | 3.70% | 4.18% | 4.12% | 4.33% | 4.32% | 4.34% | 4.12% | 3.96% | -37 bps | |
| Efficiency Ratio | 51.83% | 61.76% | 49.99% | 48.30% | 49.50% | 52.26% | 52.25% | 46.53% | -177 bps | |
| Non-Interest Burden | 1.68% | 2.39% | 1.82% | 1.85% | 1.91% | 2.01% | 1.94% | 1.62% | -23 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 | 0.44% | 0.09% | 0.00% | 0.09% | 0.13% | 0.06% | 0.18% | 0.25% | +16 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 | |