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Central State Bank Calera, AL

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Central State Bank Calera, AL Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central State Bank Calera, AL provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 11, 2026

You can compare Central State Bank Calera, AL rates to other rates in our database, including 12-month CD rates currently at 3.55%, 6-month CD rates at 0.05% and 3-month CD rates at 0.05%. Savings rates are at 0.35% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.15%. All these rates can be compared to Central State Bank Calera, AL rates. MonitorBankRates evaluates the financial stability of Central State Bank Calera, AL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.08%. Rates were last updated on 04/11/2026.

Central State Bank Calera, AL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central State Bank Calera, AL? Share your experience about Central State Bank Calera, AL by leaving a review below, or read customer reviews before you decide to use Central State Bank Calera, AL.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.08%

Excellent Lower than avg

Central State Bank Calera, AL

11025 Highway 25
Calera, AL 35040

https://www.centralstatebank.com

Current Rate Availability

We do not have Central State Bank Calera, AL rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central State Bank Calera, AL is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central State Bank Calera, AL rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central State Bank Calera, AL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central State Bank Calera, AL

Bank Holding Company CENTRAL STATE BCORP

Address 11025 Highway 25, Calera, AL 35040 · Shelby

Website https://www.centralstatebank.com

FDIC Certificate # 72

Established 02/05/1916

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0458%

Return on Equity (ROE) 24.2600%

Non-Performing Loans (NPL) 0.00%

Total Assets $743,393,000

Total Deposits $666,469,000

Equity Capital $71,372,000

Net Income $14,782,000

Headquarters Calera

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Central State Bank Calera, AL

Is Central State Bank Calera, AL a safe place to deposit money?

Yes, Central State Bank Calera, AL is considered a safe financial institution. With a Texas Ratio of 1.0834481198989%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Central State Bank Calera, AL operate?

Central State Bank Calera, AL currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central State Bank Calera, AL does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central State Bank Calera, AL provides members with tools to manage their accounts and build a solid financial history.

Does Central State Bank Calera, AL offer online and mobile banking?

Most modern institutions like Central State Bank Calera, AL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralstatebank.com.