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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Calera, AL · FDIC certificate #72
CENTRAL STATE BANK is an FDIC-insured institution based in Calera, AL (FDIC certificate #72). In its Q3 2026 Call Report it reported total assets of $875M, total deposits of $793M and net loans of $560M. Its primary federal regulator is FED.
Plain-language readout
CENTRAL STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $891M in Q2 2026 and were lowest at $778M in Q1 2026.
Total deposits were highest at $810M in Q2 2026 and lowest at $699M in Q1 2026.
Over the whole period total assets rose 12.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $875M | $793M | $560M | 2.02% | 22.44% | 4.25% |
| Q2 2026 | $891M | $810M | $551M | 2.01% | 22.05% | 4.28% |
| Q1 2026 | $778M | $699M | $558M | 1.93% | 20.24% | 4.31% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $78.7M | $65.1M | +$13.7M | +21.0% |
| Federal funds sold | $70.6M | $40.5M | +$30.2M | +74.6% |
| 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) | $163.9M | $89.2M | +$74.7M | +83.8% |
| 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) | $550.9M | $557.8M | -$6.9M | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.8M | $7.3M | +$428K | +5.8% |
| Other real estate owned | $535K | $352K | +$183K | +52.0% |
| 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 | $18.2M | $18.1M | +$136K | +0.8% |
| Total assets | $890.7M | $778.3M | +$112.4M | +14.4% |
| Liabilities | ||||
| Total deposits | $810.3M | $698.9M | +$111.5M | +15.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.8M | $5.9M | -$110K | -1.9% |
| Total liabilities | $816.1M | $704.8M | +$111.3M | +15.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $4.9M | $4.9M | $0K | 0.0% |
| Retained earnings | $73.3M | $72.3M | +$1.0M | +1.4% |
| Accumulated other comprehensive income | -$3.7M | -$3.7M | +$25K | +0.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $74.6M | $73.6M | +$1.0M | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $2.4M | -$927K | -39.1% |
| Adjusted nonperforming assets | $1.4M | $2.4M | -$927K | -39.1% |
| Tangible equity plus allowance | $80.5M | $79.5M | +$1.0M | +1.3% |
| Texas ratio (gross) | 1.79% | 2.98% | -1.19 pts | See points |
| Texas ratio (adjusted) | 1.79% | 2.98% | -1.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.87% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 8.98% | 10.15% | -1.17 pts | See points |
| Construction and land loans to total capital | 127.77% | 134.08% | -6.31 pts | See points |
| Commercial real estate to total capital | 216.55% | 224.40% | -7.85 pts | See points |
| Dividend payout, year to date | 58.62% | 36.27% | +22.35 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.06% | -5.16% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $696.4M | $570.9M | +$125.5M | +22.0% |
| Non-core funding | $113.9M | $127.9M | -$14.0M | -10.9% |
| Loans to core deposits | 79.96% | 98.74% | -18.78 pts | See points |
| Loans to deposits | 68.72% | 80.67% | -11.95 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 89.10% | 79.87% | +9.22 pts | See points |
| Loans pledged, share of loans | 41.18% | 42.47% | -1.29 pts | See points |
| Volatile liabilities | $113.9M | $127.9M | -$14.0M | -10.9% |
| Earnings | ||||
| Earnings before provision, year to date | $9.2M | $4.1M | +$5.1M | +122.9% |
| Earnings before provision, single quarter | $5.1M | $4.1M | +$950K | +22.9% |
| Provision for credit losses, year to date | $564K | $173K | +$391K | +226.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.47% | 7.49% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.82% | 3.49% | +0.33 pts | See points |
| Total interest income to average assets | 5.92% | 6.19% | -0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 2.89% | 3.40% | -0.52 pts | See points |
| Cost of savings and money market deposits | 2.03% | 1.98% | +0.05 pts | See points |
| Cost of time deposits | 3.11% | 3.50% | -0.39 pts | See points |
| Total interest expense to average assets | 1.96% | 2.07% | -0.11 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 | $875M | $793M | $560M | 2.02% | 22.44% | 4.25% |
| 2026-06-30 | $891M | $810M | $551M | 2.01% | 22.05% | 4.28% |
| 2026-03-31 | $778M | $699M | $558M | 1.93% | 20.24% | 4.31% |
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 |
|---|---|---|---|---|
| AL | $651M | 0.46% | 39 | Continuing · +0.04 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.