Headquartered in Savannah, Tennessee, Central Bank is a state-chartered bank with $160.2M in total assets and $141.1M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1967.
Based on its Q2 2026 filing, Central Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 27th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (50/100; 0.75%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the funding & liquidity component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 83 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 72 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.14% |
| Q3 2024 | 12.21% |
| Q4 2024 | 12.65% |
| Q1 2025 | 12.70% |
| Q2 2025 | 12.65% |
| Q3 2025 | 12.55% |
| Q4 2025 | 12.39% |
| Q1 2026 | 12.11% |
| Q2 2026 | 11.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $160.2M | 11.95% | 0.00% | 0.75% | 80.8% |
| Q1 2026 | 72 | $164.3M | 12.11% | 0.88% | 0.99% | 75.4% |
| Q4 2025 | 79 | $153.1M | 12.39% | 0.09% | 0.83% | 76.7% |
| Q3 2025 | 80 | $145.5M | 12.55% | 0.10% | 0.80% | 75.5% |
| Q2 2025 | 80 | $145.5M | 12.65% | 0.11% | 0.85% | 71.5% |
| Q1 2025 | 80 | $139.6M | 12.70% | 0.14% | 0.86% | 72.6% |
| Q4 2024 | 83 | $135.4M | 12.65% | 0.04% | 0.92% | 71.2% |
| Q3 2024 | 81 | $137.6M | 12.21% | 0.08% | 0.96% | 69.3% |
| Q2 2024 | 80 | $141.8M | 12.14% | 0.14% | 0.93% | 64.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
| Greenfield Banking CompanyBank Greenfield, TN | 59 out of 100, Moderate | $151.2M | 8.5% | 1.03% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| UBankBank Knoxville, TN | 73 out of 100, Strong | $182.8M | 13.1% | 0.68% | vs |
| Heritage Community BankBank Greeneville, TN | 71 out of 100, Strong | $184.4M | 10.3% | 0.03% | vs |
Deposit insurance
Is my money safe at Central Bank?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #31545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.0% of deposits ($21.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.04% (benchmark: 10%).
3 locations
Branches
Central Bank lists 3 offices in 3 cities. Most locations:
- Adamsville, TN (1)
- Counce, TN (1)
- Savannah, TN (1)
Identity & history
Profile
- Legal name
- Central Bank
- Former names
- First Federal Savings and Loan Association of Hardin County
- Type
- State-chartered bank
- FDIC certificate #
- 31545
- RSSD ID
- 265676
- Primary regulator
- FDIC
- Established
- June 30, 1967
- Headquarters
- 485 Wayne Rd, Savannah, TN 38372
- Website
- www.centralbanktn.com
- Employees
- 38
Quick answers
Central Bank: common questions
Is Central Bank FDIC insured?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #31545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Bank ever failed?
There is no failure record for FDIC certificate #31545 in the FDIC failed bank list.
How many branches does Central Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Savannah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee River Federal Credit UnionCredit union Counce, TN | 89 out of 100, Very strong | $16.3M | 33.2% | 0.25% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| Peoples BankBank Clifton, TN | 79 out of 100, Strong | $445.3M | 12.7% | 0.39% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| Commerce BankBank Corinth, MS | 74 out of 100, Strong | $167.9M | 12.5% | 1.72% | vs |