Central Bank: how it compares with its peers
Against 34 TN banks with half to twice its assets, Central Bank's strongest measure in Q2 2026 is net interest margin (4.23% vs. a 4.00% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.1M).
| Measure | Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 0.91% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.00% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.18% | 66.48% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.1M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.83% | 79.02% | Context |
What it means for lending operations
Its efficiency ratio of 69.18% is above the 66.48% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Bank & Trust Company Manchester, TN · $169M
- Greenfield Banking Company Greenfield, TN · $151M
- Putnam 1st Mercantile Bank Cookeville, TN · $179M
- Bank of Gleason Gleason, TN · $138M
- UBank Knoxville, TN · $183M
- Heritage Community Bank Greeneville, TN · $184M
Questions about Central Bank
How big is Central Bank?
Central Bank, established in 1967, is headquartered in Savannah, TN. It reported $160M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Central Bank's return on assets?
0.75% annualized in Q2 2026, against a 0.91% median for 34 TN banks with half to twice its assets, ahead of 32% of them.
What is Central Bank's efficiency ratio?
69.18% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 66.48%, and lower is better.
Is Central Bank growing its loans?
Net loans grew 25.0% over the year to Q2 2026, while deposits grew 10.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.