Central State Bank
Calera, AL
IDRSSD: 353238
Total Assets
$744.16M
Latest filing
Total Deposits
$670.03M
Latest filing
Net Interest Margin
4.51%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central State Bank
11025 Highway 25
Calera, AL 35040
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/05/1916FDIC Certificate 52
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central State Bank (Main) | 11025 Highway 25 | Calera, AL |
| CALERA BRANCH | 57 County Road 87 | Calera, AL |
| PELHAM BRANCH | 3145 Highway 31 S | Pelham, AL |
| LIMESTONE OFFICE BRANCH | 71 Limestone Pkwy | Calera, AL |
| ALABASTER OFFICE BRANCH | 9331 Highway 119 | Alabaster, AL |
| GREYSTONE OFFICE BRANCH | 6801 Cahaba Valley Road | Birmingham, AL |
| ALEXANDER CITY OFFICE BRANCH | 3105 Alabama Highway 63 S | Alexander City, AL |
Showing 6 of 6
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/05/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35040 |
| State and County Number | 01117 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 7 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.centralstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 72 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $744.16M |
| Total Deposits | $670.03M |
| Total Liabilities | $676.48M |
| Total Equity Capital | $67.69M |
| Net Income | $3.87M |
| Net Loans and Leases | $508.91M |
| Assets Per Employee ($Millions) | $8.18M |
| Bank Premises and Fixed Assets | $7.05M |
| Cash and Balances due from Depository Institutions | $95.50M |
| Deposits Held in Domestic Offices | $670.03M |
Key Performance Ratios
| Return on Assets (ROA) | 2.11% |
| Return on Equity (ROE) | 23.36% |
| Net Interest Margin | 4.51% |
| Efficiency Ratio | 49.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.095% |
| Earning Assets to total Assets | 94.95% |
Income and Expense
| Total Interest Income | $11.88M |
| Total Noninterest Income | $844.00k |
| Total Interest Expense | $4.00M |
| Total Noninterest Expense | $4.32M |
| Net Interest Income | $7.88M |
| Pre-tax Net Operating Income | $4.07M |
| Provision for Credit Losses | $332.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $776.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $35.51M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.44M |
| Total Liabilities and Capital | $744.16M |
Securities
| Securities | $81.94M |
| Available-for-sale debt securities | $81.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central State Bank?
$744.16M as of the latest filing.
How much are Central State Bank's total deposits?
$670.03M in total deposits.
Where is Central State Bank located?
Calera, AL.
What is the Net Interest Margin?
4.51%.
How many domestic offices does it operate?
7.
When was it established?
02/05/1916.
What is the Return on Assets (ROA)?
2.11%.
How much are total loans and leases?
$508.91M (latest filing).
What is the total interest income (latest filing)?
$11.88M.