Central State Bank

Calera, AlabamaFDIC Cert #72

STATEEstablished 19167 branches

Holding company: CENTRAL STATE BCORPRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$105M
Investor CRE	$63.8M
Multifamily	$11.3M
Construction	$112M
1–4 family	$179M
C&I	$69.4M
Agriculture	$4.33M
Other	$19.8M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$564M

+21.0%y/y

Percentile by value86th percentileby value

FDICLNLSGR

Net loans

$558M

+21.2%y/y

Percentile by value86th percentileby value

FDICLNLSNET

Loans YoY

+21.18%

+8.7%y/y

Percentile by value93rd percentileby value

FDICLNLSNET

L/D

79.8%

+7.2%y/y

Percentile by value48th percentileby value

FDICLNLSNET + DEP

Loans/assets

71.7%

+6.9%y/y

Percentile by value57th percentileby value

FDICLNLSNET + ASSET

RE loans %

90.40%

−1.8%y/y

Percentile by value66th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,066points

+0.1%y/y

Peer standing56th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

18.56%

−4.4%y/y

Percentile by value76th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

11.33%

−8.8%y/y

Percentile by value42nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.32%

+0.4%y/y

Percentile by value68th percentileby value

FDICLNCI + LNLSGR