Central State Bank Reviews and Rates

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Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

centralstatebank.com

205-668-0711

11025 Hwy 25
Calera, AL 35040

Central State Bank is headquartered in CALERA and is the 24^th largest bank in the state of Alabama. It is also the 1,400^th largest bank in the nation. It was established in 1916 and as of March of 2025, it had grown to 96 employees at 7 locations. Central State Bank has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	72
Year Established	1916
Employees	96
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	2.01%
Return on Equity - YTD	22.39%
Annual Interest Income	$10.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$686.7MM$609.1MM
Loans	Q1 2025vs Q1 2024	$460.3MM$385.3MM
Deposits	Q1 2025vs Q1 2024	$618.5MM$549.6MM
Equity Capital	Q1 2025vs Q1 2024	$62.5MM$54.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.5MM$5.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$952K$230K
Real Estate Owned	Q1 2025vs Q1 2024	$179K$495K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Central State Bank.

Locations

Central State Bank Locations
Central State Bank	11025 Highway 25	Calera, AL 35040
Pelham Branch	3145 Highway 31 South	Pelham, AL 35124
Calera Branch	57 County Road 87	Calera, AL 35040
Limestone Office Branch	71 Limestone Parkway	Calera, AL 35040
Alabaster Office Branch	9331 Highway 119	Alabaster, AL 35007

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