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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Savannah, TN · FDIC certificate #31545
CENTRAL BANK is an FDIC-insured institution based in Savannah, TN (FDIC certificate #31545). In its Q3 2026 Call Report it reported total assets of $165M, total deposits of $145M and net loans of $114M. Its primary federal regulator is FDIC.
Plain-language readout
CENTRAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $165M in Q3 2026 and were lowest at $160M in Q2 2026.
Total deposits were highest at $145M in Q3 2026 and lowest at $141M in Q2 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $165M | $145M | $114M | 0.85% | 7.83% | 4.26% |
| Q2 2026 | $160M | $141M | $114M | 0.75% | 6.89% | 4.23% |
| Q1 2026 | $164M | $145M | $109M | 0.99% | 9.21% | 4.07% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.4M | $16.5M | -$9.1M | -55.1% |
| Federal funds sold | $444K | $414K | +$30K | +7.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $29.4M | $29.7M | -$302K | -1.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $114.1M | $109.2M | +$4.9M | +4.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.6M | -$36K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.3M | $5.8M | +$543K | +9.4% |
| Total assets | $160.2M | $164.3M | -$4.0M | -2.4% |
| Liabilities | ||||
| Total deposits | $141.1M | $144.9M | -$3.8M | -2.6% |
| Federal funds purchased | $0K | $428K | -$428K | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6K | $6K | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.6M | +$24K | +1.5% |
| Total liabilities | $142.8M | $147.0M | -$4.2M | -2.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $232K | $232K | $0K | 0.0% |
| Surplus | $2.6M | $2.6M | $0K | 0.0% |
| Retained earnings | $16.9M | $16.7M | +$200K | +1.2% |
| Accumulated other comprehensive income | -$2.0M | -$2.0M | -$3K | -0.1% |
| Other equity components | -$230K | -$230K | $0K | 0.0% |
| Total equity capital | $17.5M | $17.3M | +$197K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1K | $976K | -$975K | -99.9% |
| Adjusted nonperforming assets | $1K | $976K | -$975K | -99.9% |
| Tangible equity plus allowance | $18.6M | $18.4M | +$202K | +1.1% |
| Texas ratio (gross) | 0.01% | 5.30% | -5.29 pts | See points |
| Texas ratio (adjusted) | 0.01% | 5.30% | -5.29 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.01% | 5.30% | -5.29 pts | See points |
| Tier 1 capital to risk-weighted assets | 19.79% | 20.08% | -0.28 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 19.79% | 20.08% | -0.28 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 21.04% | 21.33% | -0.28 pts | See points |
| Tier 1 leverage (approximate) | 11.95% | 12.11% | -0.16 pts | See points |
| Construction and land loans to total capital | 65.26% | 65.09% | +0.17 pts | See points |
| Commercial real estate to total capital | 127.22% | 126.72% | +0.50 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.36% | -14.48% | +0.13 pts | See points |
| Liquidity | ||||
| Core deposits | $115.2M | $123.9M | -$8.7M | -7.0% |
| Non-core funding | $25.9M | $21.5M | +$4.4M | +20.6% |
| Loans to core deposits | 100.03% | 89.10% | +10.92 pts | See points |
| Loans to deposits | 81.65% | 76.15% | +5.50 pts | See points |
| Brokered deposits share of deposits | 3.54% | 0.00% | +3.54 pts | See points |
| Pledged securities share of securities | 50.94% | 47.71% | +3.24 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $33.9M | $30.8M | +$3.1M | +10.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $536K | +$627K | +117.0% |
| Earnings before provision, single quarter | $627K | $536K | +$91K | +17.0% |
| Provision for credit losses, year to date | $393K | $21K | +$372K | +1771.4% |
| Yield and cost | ||||
| Yield on loans and leases | 7.13% | 7.04% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 4.11% | 3.25% | +0.86 pts | See points |
| Total interest income to average assets | 5.43% | 5.24% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 1.16% | 1.06% | +0.10 pts | See points |
| Cost of savings and money market deposits | 0.74% | 0.78% | -0.04 pts | See points |
| Cost of time deposits | 3.47% | 3.57% | -0.10 pts | See points |
| Total interest expense to average assets | 1.46% | 1.48% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $165M | $145M | $114M | 0.85% | 7.83% | 4.26% |
| 2026-06-30 | $160M | $141M | $114M | 0.75% | 6.89% | 4.23% |
| 2026-03-31 | $164M | $145M | $109M | 0.99% | 9.21% | 4.07% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $127.7M | 0.05% | 138 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.