# CENTRAL STATE BANK
CALERA, AL · FDIC certificate 72 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $890.7M | |
| Deposits | $810.3M | |
| Loans and leases | $556.8M | |
| Total equity | $74.6M | |
| Loans / deposits | 67.99% (p22 of band) | 82.04% |
| Liquid assets / assets | 35.17% (p76 of band) | |
| Uninsured deposits / deposits | 48.48% (p94 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.98% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -5.31% (p61 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 2.01% (p87 of band) | 1.28% |
| Net interest margin | 4.28% (p72 of band) | 3.91% |
| Efficiency ratio | 49.26% (p17 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p88 of band) | |
| Reserve coverage of noncurrent | 655.13% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 144.29% (p96 of band) | |
| Auto loans | $8.7M (1.56% of loans; DQ 1.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 24.5% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | capital falling, construction >100% equity |  |
| 2016-09 | 0 |  | capital falling, construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | construction >100% equity |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 | construction >100% equity | charge-offs p90 |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 1 | capital falling | construction >100% equity |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-11 [Central State Bank opens Greystone branch, expands family le... - Shelby County Reporter](https://news.google.com/rss/articles/CBMisgFBVV95cUxOUmxtcl9XYU5oWkpnSmZBYVcySDRDclVLcGxUYk4zVnNYX2lWZURzV0pWRDBqTjVVcmFKQlI1eWVUZUw1eE1UZUFPeGxTNUZ3UUVMaEJpSDhURWczanBRa0NCUl9YeDQ0cVE1UXBhdVdhR05yV1YtclFfenVpaEdaUE94VG1Ic2dVM3dVUXRRaUpHMDdpQmVXWC1PazVLZkJhRDlQNUJGNVFtcTlVSUU0cjZn?oc=5) · Shelby County Reporter
- 2023-03-28 [Central State Bank to open branch along US 280 corridor - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTEtTTmxyemxkOVZiczZfWFpzYzFWWk1KMzgwUjJ5REtXVWNSeWEwZGM2bEFaUC1EZ3JCeEFvdFdCUWhOcFBpSC1wVUJxRmc4QTdUU1lkT0FNcjJMRXdRWmNhTFJBd2JZTnNNVFc1M1dDU3ZMUGxrTm91Ymp6UnNzelB0S3UtN3pBY2h5WVlFeE1RR3Nvbk9xYXcyNVhlV2dLdjFBZzgyRTNaQQ?oc=5) · The Business Journals
- 2026-05-27 [Hess joins First Central State Bank Board of Directors - Clinton Herald](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQTDdMY3l1WEtBUnpjLXZmRElkWHNUeDVvMzE0aFNQTlA5b24tbDlhOElQbXJhRjF0TnB0WDRpOTZlTnpvanNJM1NiMjgwTW1IeXdrSE5IeTREdGl2elRjR3NUbGxtZzd0NXItV2RsZ2szdFcyTFUtWTR5aUtSaXJoOVROM29GRW5kYWJ1eWtvQUhJd1AxTE9iV3l2ZnM3Mlo0anViRDlGeXpBN0N1R3Z0dHRLSVJ0ZFNYZnJ1MkxVTHhtZjJhQzFJS0llLTd3bnlvQUJVemJ3NjF4em8?oc=5) · Clinton Herald
- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2023-10-20 [Central State Bank cuts ribbon at new 280 location - Shelby County Reporter](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVGtfRmhfRTk1WmtZc0szWkxyRmxMS001WTVtclk0OTByc0FWTkJiSTdaclZyeWtxaWs5MDNBUTVXaTdyQVpqUkMwWHhHWTNSeld0c0hPTEVmcDBIUVBXUWlzUHpGM2tTZjR2a3VObnVWWG0wdXhJZ1JPNnN1dC1OUlRLWjJhTFlhTGFVeHc3ZXYyZ2FnWkhxM3FzSXhaRVZ3?oc=5) · Shelby County Reporter
- 2024-06-28 [Fairhope's David Meredith joins Alabama Bankers Association board - Gulf Coast Media](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPY2h4VnEtdzlOSTJsVW01QlZlOFJ4UEFaQ1N6QzE3M1MwdVoteWRUbFRiRHl0UHo5a1hsNFRPd3hXOENkcUlRVG9VRDh5MnpxU2g5S2pfMUlHUVBKU3BIWnBvb2NSVjVnb3I2bXp2V0JwNFptc25qV3ItbDhBck1MOVEzb19Ba1JfamxTa0V6ZkI0aHBiQ053aDI1YU9Va29hV1hSNUZNczNwUQ?oc=5) · Gulf Coast Media
- 1976-05-15 [EX‐BANK OFFICIAL GIVEN JAIL TERM (Published 1976) - The New York Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZTQ2R1puQWhxV05IVXNwaXZ5MV84ZmIwRFV0SW5LMTdWRFZZOGt1UXZ0RE0zQjgzM0RWcXM5cE1IQVdyN2hBckp3dk5WU2RkWmJSWFplNmdFUjMwS0lWdzBUOGdGU3dqLVd0RUJQM2txN2NySjZzbkptUnZ6ZXNhVkhIZGZCTl81UFV3X0RYdng2VUFleVUwZE5sWkNPUldDTDYybG9YRHdqRWlKWUpN?oc=5) · The New York Times
- 2025-02-26 [Spotlight on Shelby County: Movers & Shapers - Business Alabama Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTE94bFRTVVY1V1dVanhQUnFYaVp4V2tKQ3Y2WEpUcG16MVROM0R2SktpZDFhNy1wYmlfaEhESE0xN1VWSVhnRldHYk5QVWwtLXQxamdPeWs4R21CRUMxVHl1YXBuQ3NCVHM3OXdON1pLWERRbl81M3JQNWwyN3g?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=72 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "72", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide