Total Assets
$153M
Total balance-sheet footings
FDIC Cert #31545 · Savannah, Tennessee · Est. 1967
Central Bank - FDIC Bank Health Profile
A community-scale look at Central Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $153M
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 20.7%
- Tier 1 capital
Data updated July 2026
The verdict
Central Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 20.74% Tier 1, 0.83% ROA, 77% efficiency ratio.
- #3,327
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 20.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Central Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Central Bank's composite health score
Tier 1 Capital Ratio (20.74%) 40/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (0.53%) 20/20
Efficiency Ratio (76.51%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$134M
Customer-funded liabilities
Net Loans
$103M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Central Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Bank's score of 78/100 falls in the highlighted band.
Central Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Bank's $153M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.74%
Texas Ratio
0.53%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.83%
Return on Equity (ROE)
7.51%
Efficiency Ratio
76.51%
What the numbers say about Central Bank
Central Bank is an FDIC-insured institution (Certificate #31545) headquartered in Savannah, Tennessee, established in 1967. It holds $153M in total assets - 3,327th of 4,313 FDIC-insured banks, $134M in customer deposits, and $103M in net loans. Capital-wise, the Tier 1 ratio sits at 20.74%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.53%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Central Bank is a community-scale institution -- 99th of 111 FDIC-insured banks headquartered in Tennessee by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$8M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Bank reports a Texas Ratio of 0.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Bank (FDIC Cert #31545) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Central Bank's health grade?▼
Central Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Central Bank?▼
Central Bank holds $153M in total assets and $134M in deposits, ranking 3,327th of 4,313 FDIC-insured banks by asset size. It is headquartered in Savannah, Tennessee.
Is my money safe at Central Bank?▼
Yes, deposits at Central Bank (Certificate #31545) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Central Bank's Tier 1 Capital Ratio?▼
Central Bank has a Tier 1 Capital Ratio of 20.74%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Central Bank?▼
Central Bank has a Texas Ratio of 0.53%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Central Bank?▼
Central Bank has an Efficiency Ratio of 76.51%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Central Bank's profile as a depositor or analyst.
- Central Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Central Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.