CENTRAL-STATE BCORP INC is the parent banking group. STATE SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CENTRAL-STATE BCORP INC

Legal name: CENTRAL-STATE BANCORP, INC.

1 active bank · 1 merged/absorbed · $405M combined assets

RSSD ID: 1245666 (FFIEC NIC)

Combined Assets

$405M

CRA Rating Summary

Satisfactory1charter

Across all 16 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSTATE SAVINGS BANKFRANKFORT, MISatisfactory$405MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$405M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$365M

Net Income

$468K

ROA (avg)

0.46%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

68.49%

Denial Rate

8.22%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
STATE SAVINGS BANK	FRANKFORT, MI	FDIC	$405M	100.0%	Satisfactory	Aug 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.