Central State Bank

BankCalera, Alabama
http://www.centralstatebank.com

Total Assets

$743.4M

Total Deposits

$666.5M

Branches

7

Established

1916

TFS Health Grade

$
C

74.2 / 100

Average financial health

How we grade

Central State Bank is a bank headquartered in Calera, Alabama, established in 1916. With $743.4M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.07%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.20%

Profitability

Return on Assets (ROA)
2.08%(1%)
Return on Equity (ROE)
22.71%(10%)
Net Interest Margin
4.49%
Efficiency Ratio
50.05%(60%)

Lending & Liquidity

Total Loans
$545.2M
Loan-to-Deposit Ratio
80.90%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+11.63%
Deposit Growth (YoY)
+10.78%
Net Income
$14.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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