BlastPoint's Banking Scorecard
Central State Bank
Calera, AL
7 branches across AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +24.5% year over year ($810.3M on the books).
- Delinquency rate 0.16%.
- Return on assets 2.01%.
- Efficiency ratio 49.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.99% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central State Bank shows strong momentum with 4 strengths and 23.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.68% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 15.22% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.7M
+23.5% YoY
+14.4% QoQ
|
+$504.1M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 4.3% in tier |
| Total Loans ? |
$550.9M
+12.1% YoY
-1.2% QoQ
|
+$292.6M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Top 7.9% in tier |
| Total Deposits ? |
$810.3M
+24.5% YoY
+15.9% QoQ
|
+$483.6M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Top 1.7% in tier |
| Return on Assets ? |
2.01%
-2.9% YoY
+4.1% QoQ
|
+0.68% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Top 13.1% in tier |
| Net Interest Margin ? |
4.28%
-2.5% YoY
-0.7% QoQ
|
+0.30% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
49.26%
+0.3% YoY
-5.7% QoQ
|
-15.22% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
0.16%
-23.8% YoY
-54.5% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
67.99%
-9.9% YoY
-14.8% QoQ
|
-9.96% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
19.89%
-13.2% YoY
-10.0% QoQ
|
-2.14% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.16%
-30.0% YoY
-46.8% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
8.98%
-10.0% YoY
-11.5% QoQ
|
-6.93% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.8% in tier |
| Non-Interest Income / Assets ? |
0.19%
-11.8% YoY
+81.7% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
-3.0pp YoY -2.2pp QoQ |
-2.3pp | 22.1% | 24.0% | 22.2% | 45% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
-0.3pp YoY +0.1pp QoQ |
+1.0pp | 11.6% | 16.9% | 12.5% | 66% |
| CRE |
53.1%
-0.3pp YoY +0.8pp QoQ |
+13.5pp | 39.5% | 43.5% | 41.4% | 75% |
| 1-4 Family |
31.7%
+1.3pp YoY -0.4pp QoQ |
-0.9pp | 32.6% | 30.6% | 31.3% | 55% |
| Consumer |
2.6%
-0.3pp YoY +0.1pp QoQ |
-1.5pp | 4.1% | 5.7% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
9.0%
-1.0pp YoY -1.2pp QoQ |
-3.2pp | 12.2% | 13.2% | 12.6% | 12% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
100
+6 (+6.4%) YoY +2 (+2.0%) QoQ |
+41 | 58 | 304 | 482 | 87% |
| Assets per Employee ($) |
$8.9M
+16.1% YoY +12.1% QoQ |
+$1.4M | $7.5M | $6.9M | $8.8M | 78% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 28% |
| Nonaccrual |
0.1%
-0.1pp YoY -0.2pp QoQ |
-0.8pp | 0.9% | 1.2% | 1.0% | 24% |
| Allowance Coverage |
6.55x
+23.7% YoY +123.2% QoQ |
-17.60x | 24.15x | 7.50x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY 0.0pp QoQ |
+0.1pp | 0.1% | 0.3% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.1%
-0.9pp YoY +1.8pp QoQ |
+9.9pp | 12.2% | 10.0% | 11.6% | 92% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 78% |
| Net Income ($, YTD) |
$8.1M
+12.9% YoY — QoQ |
+$5.5M | $2.6M | $17.2M | $40.4M | 97% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.