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Central State Bank
Calera, AL · FDIC Certificate #72 · Chartered 02/0
Total assets
$890.70M
Total deposits
$810.31M
Total equity
$74.58M
Net loans
$550.91M
Branches (offices)
7
Net income (YTD)
$8.07M
Rank: #1,158 of 4,213 U.S. banks by assets · #22 of 93 in Alabama. Assets changed 23.5% and deposits 24.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 22.05% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 8.37% |
| Tier 1 leverage ratio | 8.98% |
| Uninsured deposits (share of deposits) | 48.5% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 68.0% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $471.21M | 85.5% | |
| Commercial & industrial | $69.17M | 12.6% | |
| Consumer / individual | $14.49M | 2.6% | |
| Construction & development | $107.61M | 19.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $493.68M | $445.51M | $4.68M | $42.44M |
| Jun 2023 | $578.84M | $524.77M | $5.84M | $48.53M |
| Jun 2024 | $628.23M | $568.26M | $4.71M | $54.78M |
| Jun 2025 | $721.34M | $651.00M | $7.14M | $64.76M |
| Jun 2026 | $890.70M | $810.31M | $8.07M | $74.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $810.31M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $810.31M.
Similar-sized banks
Traditions Bank ($890.94M) · First Bank ($889.89M)
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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