Headquartered in Calera, Alabama, Central State Bank is a state-chartered bank (fed member) with $890.7M in total assets and $810.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1916.
Central State Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 42nd. Earnings contributes the most (100/100, 2.01%); capital cushion contributes the least (40/100, 8.98%).
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 (76 → 74), mostly because the capital cushion component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.10% |
| Q3 2024 | 9.90% |
| Q4 2024 | 9.61% |
| Q1 2025 | 10.07% |
| Q2 2025 | 9.98% |
| Q3 2025 | 9.83% |
| Q4 2025 | 10.07% |
| Q1 2026 | 10.15% |
| Q2 2026 | 8.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.60% |
| Q1 2025 | 2.01% |
| Q2 2025 | 2.07% |
| Q3 2025 | 2.08% |
| Q4 2025 | 2.08% |
| Q1 2026 | 1.93% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $890.7M | 8.98% | 0.16% | 2.01% | 68.0% |
| Q1 2026 | 74 | $778.3M | 10.15% | 0.36% | 1.93% | 79.8% |
| Q4 2025 | 76 | $743.4M | 10.07% | 0.20% | 2.08% | 80.9% |
| Q3 2025 | 77 | $744.2M | 9.83% | 0.06% | 2.08% | 76.0% |
| Q2 2025 | 76 | $721.3M | 9.98% | 0.21% | 2.07% | 75.5% |
| Q1 2025 | 77 | $686.7M | 10.07% | 0.20% | 2.01% | 74.4% |
| Q4 2024 | 74 | $666.0M | 9.61% | 0.09% | 1.60% | 72.1% |
| Q3 2024 | 75 | $684.0M | 9.90% | 0.08% | 1.61% | 67.3% |
| Q2 2024 | 75 | $628.2M | 10.10% | 0.17% | 1.56% | 71.3% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Traditions BankBank Cullman, AL | 65 out of 100, Moderate | $890.9M | 10.5% | 0.80% | vs |
| First Southern State BankBank Stevenson, AL | 77 out of 100, Strong | $893.5M | 10.6% | 0.25% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| MidSouth BankBank Dothan, AL | 66 out of 100, Moderate | $771.5M | 9.3% | 0.28% | vs |
| First Community Bank of Central AlabamaBank Wetumpka, AL | 74 out of 100, Strong | $694.3M | 8.6% | 0.10% | vs |
| First Southern BankBank Florence, AL | 18 out of 100, Low | $679.2M | 8.9% | 10.86% | vs |
Deposit insurance
Is my money safe at Central State Bank?
Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #72). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.5% of deposits ($392.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Central State Bank lists 7 offices in 5 cities. Most locations:
- Calera, AL (3)
- Alabaster, AL (1)
- Alexander City, AL (1)
- Birmingham, AL (1)
- Pelham, AL (1)
Identity & history
Profile
- Legal name
- Central State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 72
- RSSD ID
- 353238
- Primary regulator
- FED
- Holding company
- Central State Bcorp
- Established
- February 5, 1916
- Headquarters
- 11025 Highway 25, Calera, AL 35040
- Website
- www.centralstatebank.com
- Employees
- 100
Quick answers
Central State Bank: common questions
Is Central State Bank FDIC insured?
Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #72). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central State Bank's TellerScore?
74 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 State Bank ever failed?
There is no failure record for FDIC certificate #72 in the FDIC failed bank list.
How many branches does Central State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Calera
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Alabama State Employees Credit UnionCredit union Montgomery, AL | 80 out of 100, Strong | $471.2M | 12.0% | 0.31% | vs |
| Peoples Bank of AlabamaBank Cullman, AL | 76 out of 100, Strong | $1.4B | 11.2% | 0.56% | vs |
| Alatrust Credit UnionCredit union Hoover, AL | 75 out of 100, Strong | $224.0M | 14.0% | 1.72% | vs |
| America'S First Federal Credit UnionCredit union Birmingham, AL | 74 out of 100, Strong | $2.8B | 12.3% | 0.77% | vs |