Central Bank
Savannah, TN·RSSD 265676·FDIC 31545·bank:265676·Risk-based ratios where reported
- #97 of 109Total assets in Tennessee
- 3offices
- 38employees
- Top 5%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Central Bank
6 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal34.1%peers 21.6%+12.4 pp
Central Bank's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 34.1% | 21.6% | +12.4 pp |
| Time deposits' share of deposits | ||
| 44.4% | 33.1% | +11.3 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Central Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+24.7%peers +5.3%+19.4 pp
Central Bank's loans grew 24.7% over the past year to $115 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +24.7% | +5.3% | +19.4 pp |
| Loans | ||
| $115 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Central Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.30%peers 0.00%+130 bps
Central Bank's annualized net charge-off rate rose 124 bps over the past year to 1.30%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.30% | 0.00% | +130 bps |
| 12-month change | ||
| +124 bps | 0 bps | +124 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Central Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity81.7%+9.3 pp in 12 months
Central Bank's loans rose to 81.7% of deposits, 9.3 percentage points higher than a year earlier, while cash fell to 4.6% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 81.7% | +9.3 pp in 12 months |
| Cash / assets | |
| 4.6% | -4.1 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Central Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Noninterest-bearing deposit share falling faster than peersFunding
- Reliance on CDs rising while the peer median holds steadyFunding
Key facts
- Central Bank is a bank headquartered in Savannah, Tennessee. It reported $160 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $141 million, up 10.5% from a year earlier, and loans totaled $115 million, up 24.7%.
- Its net interest margin was 4.33% and its annualized return on assets was 0.49% for the quarter.
- Its cost of all deposits was 1.67%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Central Bank's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- Central Bank · Bank
- Federal Reserve RSSD
- 265676
- FDIC certificate
- 31545
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Central Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $200K | — | |
| $2.22M | — | |
| $594K | — | |
| $1.62M | — | |
| $319K | — | |
| $1.32M | — | |
| $372K | — | |
| $372K | — | |
| 0.49% | 0.49%ROAQ · Quarter | |
| 4.33% | 4.31%NIMYQ · Quarter | |
| 67.73% | 67.73%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.