Central State Bank of Calera, Alabama
Headquarters
11025 Highway 25
Calera, AL 35040
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2026 Overview
General Bank Information
Central State Bank of Calera, Alabama is an FDIC insured institution located in Calera, AL. It was founded in 1916 and has approximately $0.89 billion in assets. Customers can open an account at one of its 5 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 72 |
| Date Established | 1916 |
| Assets | $ 890.70 million |
| Loans | $ 557.83 million |
| Deposits | $ 698.86 million |
| Capital | $ 73.55 million |
For a more detailed analysis of Central State Bank of Calera, Alabama's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
Your Current Location: Ohio, OH
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Branches
Central State Bank of Calera, Alabama branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Springfield,Ohio
Central State Bank of Calera, Alabama Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 485.43 | A | View Lobby Hours | |
| 490.49 | B | View Lobby Hours | |
| 496.06 | C | View Lobby Hours | |
| 496.06 | D | View Lobby Hours | |
| 496.54 | E | View Lobby Hours |
Climate Policy and Initiatives
Central State Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Central State Bank of Calera, Alabama Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Central State Bank of Calera, Alabama. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Central State Bank of Calera, Alabama | U.S. Bank Average |
|---|---|
| 2.98% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Central State Bank of Calera, Alabama had $2,017,000 in non-current loans and $352,000 in owned real estate. To cover these potential losses it had $73,551,000 in equity and $5,920,000 in loans loss reserves. That gives it a Texas Ratio of 2.98%.
Return on Equity
| Central State Bank of Calera, Alabama | U.S. Bank Average |
|---|---|
| 22.05% | 10.69% |
Central State Bank of Calera, Alabama has a Return on Equity of 22.05% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Central State Bank of Calera, Alabama | U.S. Bank Average |
|---|---|
| 8.26% | 11.75% |
Central State Bank of Calera, Alabama has a Capitalization of 8.26% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Central State Bank of Calera, Alabama Balance Sheet Analysis
As of March 31, 2026, Central State Bank of Calera, Alabama had assets of $890,704,000, loans of $557,834,000, and deposits of $698,856,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 65.07 million |
| Interest-bearing balances | $ 61.34 million |
| Total securities | $ 89.21 million |
| Federal funds sold and reverse repurchase | $ 40.47 million |
| Net loans and leases | $ 557.83 million |
| Loan loss allowance | $ 5.92 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.35 million |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 11.58 million |
| Total Assets | $ 704.79 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 698.86 million |
| Interest-bearing deposits | $ 544.40 million |
| Deposits held in domestic offices | $ 698.86 million |
| % insured (estimated) | 58.89% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.73 million |
| Total Liabilities | $ 704.79 million |
| Shareholders’ Equity | $ 185.92 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 11.78 million |
| Total Interest Expense | $ 3.94 million |
| Net interest income | $ 7.84 million |
| Provision for loan and lease losses | $ 0.17 million |
| Total non interest income | $ 0.83 million |
| Total non interest expense | $ 4.53 million |
| Pre-tax Net Operating Income | $ 5.01 million |
Bank Loan Profile?
The top three loan types in Central State Bank of Calera, Alabama’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.
Compared to other banks in Alabama, Central State Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 18.69 | ✓ | ||
| Multifamily Mortgages |
1.04 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 1.44 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 12.26 | ✓ | ||
| Commercial Real Estate | 17.18 | ✓ | ||
| Commercial and Industrial Loans | 5.92 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Customer Reviews for Central State Bank of Calera, Alabama
5.0 out of 5 based on 1 rating
Bob Kuehner
April 23, 2020 |
If you're not with Central State Bank and you're in business... why the heck not? I've been with CSB since 2007. In that time they've provided top tier service and a down home feel. My most recent experience is their shepherding of PPP Loans for my 6 companies. When we gave them to CSB on the day the program became available, I got a call at 10PM letting me know they were accepted. We've accomplished closings using docusign and all of the money is in my accounts. Their handling of this possibly kept us in business, now I can put all of my 160 furloughed employees back to work. These guys haven't been a good vendor--they've been a trusted partner over the last 13 years.
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