Central Bank
Savannah, TN
IDRSSD: 265676
Total Assets
$153.06M
Latest filing
Total Deposits
$134.38M
Latest filing
Net Interest Margin
4.14%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank
485 Wayne Rd
Savannah, TN 38372
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/30/1967FDIC Certificate 44379
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central Bank (Main) | 485 Wayne Rd | Savannah, TN |
| EAST MAIN STREET BRANCH | 436 E Main St | Adamsville, TN |
| COUNCE BRANCH | 9720 Tn-57 | Counce, TN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/30/1967 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38372 |
| State and County Number | 47071 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.CENTRALBANKTN.COM |
| Data Updated | 01/30/2026 |
| CERT | 31545 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.06M |
| Total Deposits | $134.38M |
| Total Liabilities | $136.10M |
| Total Equity Capital | $16.96M |
| Net Income | $354.00k |
| Net Loans and Leases | $103.07M |
| Assets Per Employee ($Millions) | $4.14M |
| Bank Premises and Fixed Assets | $2.62M |
| Cash and Balances due from Depository Institutions | $12.23M |
| Deposits Held in Domestic Offices | $134.38M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 8.42% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 73.4% |
| Tier 1 Risk-Based Capital Ratio | 20.741% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.082% |
| Earning Assets to total Assets | 92.48% |
Income and Expense
| Total Interest Income | $2.02M |
| Total Noninterest Income | $323.00k |
| Total Interest Expense | $595.00k |
| Total Noninterest Expense | $1.28M |
| Net Interest Income | $1.43M |
| Pre-tax Net Operating Income | $457.00k |
| Provision for Credit Losses | $8.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $134.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.72M |
| Total Liabilities and Capital | $153.06M |
Securities
| Securities | $29.39M |
| Available-for-sale debt securities | $29.39M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank?
$153.06M as of the latest filing.
How much are Central Bank's total deposits?
$134.38M in total deposits.
Where is Central Bank located?
Savannah, TN.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
3.
When was it established?
06/30/1967.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$103.07M (latest filing).
What is the total interest income (latest filing)?
$2.02M.