BlastPoint's Banking Scorecard
Central State Bank
Community
Specialty: Commercial
AL
FDIC cert 72
Calera, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Central State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$743.4M
+11.6% YoY
-0.1% QoQ
|
-$648.1M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$539.2M
+24.4% YoY
+6.0% QoQ
|
-$436.3M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$666.5M
+10.8% YoY
-0.5% QoQ
|
-$498.1M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
2.08%
+30.1% YoY
-0.4% QoQ
|
+0.91% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.49%
+6.5% YoY
+1.0% QoQ
|
+0.82% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
50.05%
-15.5% YoY
+1.6% QoQ
|
-12.58% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.20%
+119.3% YoY
+207.4% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
80.90%
+12.3% YoY
+6.5% QoQ
|
-2.16% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
21.11%
-6.8% YoY
-8.8% QoQ
|
+0.06% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.19%
+124.7% YoY
+29.9% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
-5.4% YoY
+42.0% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#44 of 371 · Top 12% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.08%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#187 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
83
83th pctile
Efficiency Ratio
Current: 50.05% · Tier avg: 62.63%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 21.05%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.90% · Tier avg: 83.06%
36
36th pctile
Total Loans
Current: $539.2M · Tier avg: $975.5M
35
35th pctile
Total Deposits
Current: $666.5M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $743.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Assets
Current: $743.4M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $666.5M · Tier avg: $1.2B
36
36th pctile
Total Loans
Current: $539.2M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.90% · Tier avg: 83.06%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 21.05%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
83
83th pctile
Efficiency Ratio
Current: 50.05% · Tier avg: 62.63%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%