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 Central State Bank
Central State Bank
| RSSD ID 353238 | CERTIFICATE 72 | ABA NUMBER 62204569 |
| 11025 Highway 25 |
Quarter Ended : |
2025-12-31 |
| Calera, Alabama, 35040 |
Updated : |
2026-01-27 |
| www.centralstatebank.com |
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| Institution Profile |
| Year Opened : |
1916 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
96 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 743,393 |
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Total Interest Income | 45,918 |
| Total Liabilities | 672,021 |
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Total NonInterest Income | 3,454 |
| Total Bank Equity Capital | 71,372 |
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Total Interest Expense | 15,483 |
| Total Deposits | 666,469 |
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Total NonInterest Expense | 16,963 |
| Net Loans & Leases | 539,201 |
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Net Income | 14,782 |
| Loan Loss Allowance | 6,023 |
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Net Charge Offs | 365 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 533,182 |
| Total assets for the leverage ratio | 743,987 |
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Loans secured by real estate: | 446,686 |
| Tier 1 Leverage Ratio | 10.07 |
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Commercial and industrial loans | 72,417 |
| Off Balance Sheet Exposures (%) | 15.47 |
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Loans to individuals - Credit Cards | 756 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 13,323 |
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:· Central State Bank
