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Central Bank
Savannah, TN · FDIC Certificate #31545 · Chartered 06/3
Total assets
$160.23M
Total deposits
$141.13M
Total equity
$17.47M
Net loans
$114.08M
Branches (offices)
3
Net income (YTD)
$594.00K
Rank: #3,226 of 4,213 U.S. banks by assets · #97 of 109 in Tennessee. Assets changed 10.2% and deposits 10.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 6.89% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 10.90% |
| Tier 1 leverage ratio | 11.95% |
| Uninsured deposits (share of deposits) | 15.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.65% |
| Loans to deposits | 80.8% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $99.45M | 87.2% | |
| Commercial & industrial | $8.90M | 7.8% | |
| Consumer / individual | $6.01M | 5.3% | |
| Construction & development | $13.54M | 11.9% | |
| Agricultural | $3.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $131.45M | $119.82M | $415.00K | $11.08M |
| Jun 2023 | $134.96M | $121.39M | $1.47M | $12.34M |
| Jun 2024 | $141.85M | $126.34M | $642.00K | $14.00M |
| Jun 2025 | $145.46M | $127.69M | $597.00K | $16.05M |
| Jun 2026 | $160.23M | $141.13M | $594.00K | $17.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $141.13M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $141.13M.
Similar-sized banks
West Central Georgia Bank ($160.38M) · Bank Of Greeleyville ($160.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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