FDIC Cert #72 · Calera, Alabama · Est. 1916

Central State Bank - FDIC Bank Health Profile

A community-scale look at Central State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$743M
Total assets
A
Health grade · Excellent
2.08%
Return on assets
10.1%
Tier 1 capital

Data updated July 2026

The verdict

Central State Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.07% Tier 1, profitable at 2.08% ROA, efficient (50% cost ratio).

#1,325
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
10.07%
Tier 1 ratio - above the 10% well-capitalized line
92nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 72 · AL A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1344/4307
  • PHOTO-FINISH Stock Yards Bank & T… · KY
  • TIER1-WELL 10.1% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 2.08% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Stock Yards Bank & Trust Company, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Central State Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Auburn Banking Company · KY …85/100Central State Bank · AL · th…85/100PS Bank · PA · near85/100Security State Bank · OK · n…85/100Stock Yards Bank & T… · KY ·…85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Central State Bank · July 2026

What Central State Bank's Call Report plate shows

Central State Bank (FDIC Cert #72) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,344 of 4,307. Tier 1 capital prints at 10.07%, clearing the 10% well-capitalized line. The Texas Ratio is 1.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.08%. Balance-sheet scale is $743M, 1,325th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Stock Yards Bank & Trust Company (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Central State Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Central State Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Central State Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Central State Bank's 85/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10085/100
Central State Bank's composite health score
Tier 1 Capital Ratio (10.07%) 28/40
Return on Assets (ROA) (2.08%) 25/25
Texas Ratio (1.41%) 20/20
Efficiency Ratio (50.05%) 12/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$743M

Total balance-sheet footings

Total Deposits

$666M

Customer-funded liabilities

Net Loans

$539M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.67% 10.07% 11.47%
Basel III capital ratios - Central State Bank

Where Central State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central State Bank's score of 85/100 falls in the highlighted band.

Central State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Central State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Central State 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 State Bank's $743M falls in the highlighted band.

Safety ratios for Central State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.07%
Texas Ratio
1.41%
Equity Capital
$71M

What these ratios mean →

Earnings posture at Central State Bank

Return on Assets (ROA)
92nd percentile nationally
2.08%
Return on Equity (ROE)
22.71%
Efficiency Ratio
50.05%

What these mean →

Income & expense at Central State Bank

$46M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Central State Bank reports a Texas Ratio of 1.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Central State Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($743M here), outside Alabama so the neighborhood is not state containment.

Eaglemark Savings Bank $744M · NV Clinton Savings Bank $743M · MA First Western Bank $743M · AR Community First Bank $742M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central State Bank (FDIC Cert #72) - 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.

Central State Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%