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BDI
CS

Central State Bank

Calera, AlabamaFDIC Cert #72

STATEEstablished 19167 branches

Holding company: CENTRAL STATE BCORPRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.83%
+26.9%y/y
Peer standing32nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−99.7%y/y
Peer standing43rd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.36%
+596.3%y/y
Peer standing48th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.36%
+75.1%y/y
Peer standing54th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.30%
+84.8%y/y
Peer standing51st percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.37M
+109.5%y/y
Peer standing40th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.20%
+5,164.7%y/y
Peer standing10th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$256K
+6,300.0%y/y
Peer standing8th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.05%
−11.2%y/y
Percentile by value30th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$4.69M
+53.6%y/y
Peer standing18th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$3K
−99.6%y/y
Peer standing42nd percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$2.01M
+742.7%y/y
Peer standing37th percentile
Peer standing in asset:300m_1b
FDICNAASSET