Where is Central State Bank located?

Central State Bank is located at 11025 Hwy 25, Calera, AL 35040.

How can I contact Central State Bank?

You can contact Central State Bank by phone at (205) 668-0711.

Central State Bank

About

Full-service community bank established in 1916 serving Calera, Alabaster, and Pelham, Alabama, providing personal and business banking services with client-focused benefits including checking, savings, loans, and credit cards.

1916

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

2

Last 3 Years

3

YoY Growth

Data not available

Loan Size Distribution

As Of June 30, 2025

Median

$396K

Average

$1.4M

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 1.00%

Typical Range:Prime + -1.50% - 2.00%

Min / Max:Prime + -1.50% / 2.00%

Market Comparison

This Lender

Prime + 1.00%

Market Average

Prime + 1.25%

25 bps better market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High