8-K

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C.  20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) September 28, 2015

CENTERSTATE BANKS, INC.

(Exact name of registrant as specified in its charter)

Florida	000-32017	59-3606741
(State or other jurisdiction of incorporation)	(Commission file number)	(IRS employer identification no.)

42745 U.S. Highway 27, Davenport, FL	33837
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:   (863) 419-7750

Not Applicable

(Former name or former address, if changed since last report)

___________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

oWritten communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

oSoliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

oPre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

oPre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01 Regulation FD Disclosure

CenterState Banks, Inc. to present at the

FIG Partners’ 11^th Annual Bank CEO Forum

CenterState Banks, Inc. (“CSFL”) is furnishing this Current Report on Form 8-K in connection with a presentation being made by management at the FIG Partners’ 11^th Annual Bank CEO Forum on September 28 – 29, 2015 in Atlanta, GA.  Attached hereto and incorporated herein as Exhibits 99.1 is the text of that presentation.  This presentation contains “forward-looking statements” within the meaning of the federal securities laws.  The forward-looking statements in this presentation are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in or implied by the statements.  Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among other things, the following possibilities:  (i) an inability of the Company to realize elements of its strategic plans for 2015 and beyond; (ii) increases in competitive pressure in the banking industry; (iii) general economic conditions, either nationally or regionally, that are less favorable than expected; (iv) changes in the interest rate environment which reduce margins; (v) management’s assumptions regarding allowance for loan losses may not be borne out by subsequent events; and (vi) changes which may occur in the regulatory environment.  When used in this presentation, the words “believes,” “estimates,” “plans,” “expects,” “should,” “may,” “might,” “outlook,” and “anticipates,” and similar expressions as they related to CSFL (including its subsidiaries) or its management are intended to identify forward-looking statements.  Forward-looking statements speak only as to the date they are made.  CSFL does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.

Item 9.01 Financial Statements and Exhibits

The following exhibit is furnished as Regulation FD Disclosure to this Current Report on Form 8-K:

(a) Exhibits:

Exhibit 99.1    FIG Partners’ 11^th Annual Bank CEO Forum Investor Presentation

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CENTERSTATE BANKS, INC.
By:	/s/ James J. Antal
	James J. Antal
	Senior Vice President and
	Chief Financial Officer

Date:  September 28, 2015

EX-99.1

FIG Partners’ 11th Annual Bank CEO Forum Atlanta, GA September 28-29, 2015 Exhibit 99.1

This presentation contains forward-looking statements, as defined by Federal Securities Laws, relating to present or future trends or factors affecting the operations, markets and products of CenterState Banks, Inc. (CSFL). These statements are provided to assist in the understanding of future financial performance. Any such statements are based on current expectations and involve a number of risks and uncertainties. For a discussion of factors that may cause such forward-looking statements to differ materially from actual results, please refer to CSFL’s most recent Form 10-Q and Form 10-K filed with the Securities Exchange Commission. CSFL undertakes no obligation to release revisions to these forward-looking statements or reflect events or circumstances after the date of this presentation. Forward Looking Statement

As of 6/30/15 Headquartered in Davenport, FL on the I-4 Corridor $3.9 billion in assets $2.5 billion in loans $3.1 billion in deposits Company formed: June 2000 1 Subsidiary Bank 58 Branch banking offices Correspondent Banking Segment Corporate Overview Commercial and Retail Banking Offices Correspondent Banking – Client Banks

Banking the Sunshine State

Florida’s $800B economy is 70% larger than any other state in the southeastern United States. If the Sunshine State was a country, Florida’s economy would be the 18th largest in the world – larger than Saudi Arabia, Poland, Chile and Argentina. With a population nearing 20 million and 800 more people moving down each day, Florida passed New York as the 3rd most populous state in the US. Why invest in Florida? Source: Bureau of Economic Analysis and US Census Bureau

Tourism is on the rise. Florida hosted a record of 99 million visitors to the state in 2014. Florida is a business friendly state with no personal income tax. Why invest in Florida? Source: Visit Florida Florida Historic Visitor Estimates

Existing home sales in 2014 approached the peak year of 2005. Unemployment is down to 5.7% and the participation rate is on the rise. The inventory of homes for sale is down to a 4.7 month supply. Why invest in Florida? Source: Bureau of Labor Statistics and Florida Realtors Median Sale Price $190K $180K $170K $160K $150K $140K $130K $120K

Capital Management

18 Capital Management Dividends (double taxation) Stock buyback (repurchase plan in place) Support organic growth Bank acquisitions Company Level (6/30/15) Subsidiary Bank Level (6/30/15) In this Economic Environment – Excess Capital Consolidated Tangible Common Equity = $377,602 TCE Ratio = 10.0% Tier 1 Capital = $363,654 Tier 1 Leverage Ratio = 9.6%

18 CSFL – Best Positioned Florida Consolidator Source: SNL Financial Data as of MRQ available on all Florida headquartered banks under $10 billion in assets. Public companies are defined as financial institutions traded on a national exchange. Ocala National Bank (Jan 2009) Olde Cypress Community Bank (July 2010) Independent National Bank of Ocala (Aug 2010) Community National Bank of Bartow (Aug 2010) Central Florida State Bank (Jan 2012) First Guaranty Bank & Trust Co. (Jan 2012) Federal Trust Acquisition from The Hartford Insurance Company (Nov 2011) TD Bank divesture in Putnam (Jan 2011) Gulfstream Business Bank in Stuart (Jan 2014) First Southern Bancorp (June 2014) FDIC Acquisitions Non-FDIC Acquisitions Florida Headquartered Banks – 152

18 Capital Management First Priority: Organic Growth • Lots of effort spent retooling our loan origination process and looking to add to our lending team Second Priority: Strategic and disciplined M&A Activity • Walked away from 2 high priced deals that were announced in 2Q • Also during 2Q, we had meaningful conversation with 10 different potential M&A partners in Florida Capital Targets: 8% Tier 1 Leverage (Bank level) (in this environment) Our preference: deploy excess capital by including a larger portion of cash in future bank acquisitions and issue as few shares as possible

Earnings

Earnings: Loan Growth: (excludes PCI loans) Net Interest Margin: 2nd Quarter Summary of Financial Results _______________________________________________________________________________________ 15% QTD (annualized) $209M new production / $166M funded 53% CRE / 13% C&I / 22% SF / 12% other Pipeline $298M at Jun 30 versus $308M at Mar 31 _____________________________________________________________________________________________________ Increased 19bps from 4.53% in 1Q15 to 4.72% 2Q15 2Q15 1Q15 EPS $0.21 $0.20 Operating EPS $0.22 $0.20 Operating ROA 1.02% 0.97% Efficiency Ratio 61% 66%

Net Interest Margin tax equivalent Quarter to Quarter Comparison  1Q15  2Q15 Average Avg Average Avg Balance Rate Balance Rate Loans $2,172,621 4.57% $2,237,178 4.59% PCI loans 271,135 14.85% 257,581 17.75% Securities 751,819 2.75% 764,359 2.53% Fed funds sold and other 211,247 0.76% 170,139 0.87% Total interest earning assets $3,406,822 4.75% $3,429,257 4.93% Interest bearing deposits1 $2,034,864 0.29% $2,014,726 0.27% All other 230,792 0.73% 243,445 0.74% Total interest bearing liabilities $2,265,656 0.33% $2,258,171 0.32% Net Interest Margin   4.53%   4.72% NIM - 5 quarter history

PCI Loans – Net Loan/IA Income Improvement Net Loan/IA income represents PCI Loan Interest Income less FDIC IA Amortization Yield % represents PCI Loan Yields Only † All projections are based on model at 6/30/15  ($ in thousands) 2013 2014 2015† 2016† 2017† PCI Loan Inc ACTUAL/ FORECAST $32,725 $34,168 $40,244 $23,340 $14,506 IA Amortization ACTUAL/ FORECAST $13,807 $20,743 $16,295 $8,556 $3,141 Net Loan/IA Inc ACTUAL/ FORECAST $18,918 $13,425 $23,949 $14,784 $11,365

Operating ROAA (1) Profitability Metrics EPS & Operating EPS (1) (1) Operating ROAA and EPS exclude gain on sale of available for sale securities, bargain purchase gains, other nonrecurring income, merger related expenses, branch closure and efficiency initiatives, and other nonrecurring expense, net of tax.

$0.90 Operating Earnings Per Share: Historical and Consensus Forecast First Guaranty Bk and Central Florida State Bk Closing: 1/2012 Conversion: 6/2012 Gulfstream Bancshares, Inc. Closing: 1/2014 Conversion: 2/2014 ____________________ First Southern Bancorp, Inc. Closing: 6/2014 Conversion: 9/2014 * Excludes gain on sale of available for sale securities, bargain purchase gains, other nonrecurring income, merger related expenses, branch closure and efficiency initiatives, and other nonrecurring expense, net of tax. † Reflects consensus analyst estimate on 8/6/15 as reported by SNL Financial (Copyright © 2015, FactSet Research Systems Inc. All rights reserved.)

Operating Performance & Efficiencies The Catalysts Ahead

Loan Production by Quarter ($ in millions)

Number of Deposit Accounts (000’s) Building Franchise Value with Core Deposits Cost of Deposits 2011 – 2014 CAGR: 9.5% Deposit Mix vs. Peers † Core deposits defined as non-time deposits. * Source: SNL Financial; as of MRQ available. Peers include the following: ABCB, BNCN, CBF, CCBG, CFNL, CHCO, FBNC, FFIN, FNBC, HOMB, LION, LTXB, OZRK, PNFP, RNST, SBCF, SBSI, SFNC, SSB, STBZ, TOWN, UBSH, UCBI, WSBC

Operating Leverage Through Branch Consolidation 101% growth in deposits per branch and 90% growth in number of core accounts per branch 37 65 44 58 Jan. 2009 2009 ……to.…… 2014 Jun. 2015

10 Efficiency Ratio * Efficiency Ratio is defined as follows: [non-interest expense – intangible amortization – credit related expenses – merger related expenses – other nonrecurring expense] / [net interest income (fully tax equivalent) + non-interest income – gain on sale of AFS securities – FDIC indemnification revenue – nonrecurring income]

Non-Interest Income – 2Q15 Components * Includes FDIC Indemnification Asset amortization and indemnification income. ($0.6)

Non-interest expense, ROE and EPS include corporate overhead allocations. Assumes 8% capital allocation. †Data presented on an annualized basis. Correspondent Banking Income Analysis Correspondent Earnings Measures (1)   2009 2010 2011 2012 2013 2014 1Q15 2Q15     ROE2 38.06% 59.07% 25.67% 46.17% 4.46% 11.24% 20.05%† 32.09%† EPS $0.34 $0.24 $0.11 $0.19 $0.02 $0.04 $0.03 $0.05

Summary and Investment Thesis Florida is an economic powerhouse and is dramatically improving CenterState is an attractive investment as one of the largest publicly traded banks headquartered in Florida Branch Efficiency / M&A Initiatives implemented in 2014 have resulted in significant improvement in operating earnings and efficiency ratio Core Deposit Franchise with strong DDA base should result in upside to net interest margin performance in a higher rate environment

Appendix

Non-Interest Expense – 2Q15 Components ($0.1) ($0.3) ($0.2)

Total Loans by Type Total Loans Detail                   Loan Type No. of Loans Balance Avg Loan Balance     Residential Real Estate 5,930 $ 621 MM $104,700   CRE Owner Occupied 1,173 $ 467 MM $398,100 CRE Non-Owner Occupied 936 $736 MM $786,300   Construction, A&D, & Land 541 $ 96 MM $177,400   Commercial & Industrial 2,303 $ 302 MM $131,100   Consumer & All Other 3,609 $ 62 MM $17,200   Total   14,492   $ 2,284 MM   $157,600 Total Loan Portfolio as of June 30, 2015 Excluding purchased credit-impaired loans

Loan Growth Legacy Loan Growth* YTD 2015: 12% (annualized) 2Q15: 15% (annualized) * Loan growth includes runoff of non-PCI loans purchased from TD, Federal Trust, Gulfstream and First Southern. Excluding the runoff from these loans purchased, Legacy loan growth would be 19% in 2014 and 38% in 2Q15, annualized.

Loans, excluding PCI loans Yields (TEY) Average Balances NPAs / Loans & OREO (%) Source: SNL Financial, MRQ presented if current quarter not yet available Nonperforming assets include loans 90 days or more past due, nonaccrual loans, and OREO/ORA; and exclude FDIC covered assets Southeastern peers include ABCB, PNFP, RNST, SSB, UBSH and UCBI. Florida peers include all banks headquartered in Florida with total assets between $500 million and $5 billion. Net Charge-offs (Recoveries) / Average Non PCI loans (%)

Non-Performing Assets (“NPAs”) In the last 12 months: Bank Property HFS down 89%, or $12MM FDIC Covered OREO down 61%, or $19MM Legacy OREO down 65%, or $6MM Legacy NPLs down 16%, or $5MM Legacy NPLs include nonaccrual loans and loans past due 90 days or more and still accruing interest, and exclude purchased credit-impaired loans and loans covered by FDIC loss share agreements. Legacy OREO /ORA include repossessed real estate and other repossessed assets that are not real estate, and exclude assets covered by FDIC loss share agreements. Bank Property HFS represents the real estate of former branch offices closed and transferred to held for sale.

Total Deposits by Type Total Deposits Detail 23 Total Deposit Portfolio as of June 30, 2015                   Deposit Type No. of Deposits Balance Avg Deposit Balance     Demand Deposits 53,012 $ 1,128 MM $21,300   Now Accounts 54,096 $ 621 MM $11,500   Savings Deposits 17,158 $ 241 MM $14,000   Money Market 6,562 $ 707 MM $107,700 Certificates of Deposits 10,495 $ 440 MM $41,900     Total   141,323   $ 3,137 MM   $22,200 Checking Accounts (DDA & NOW) No. of Accounts $ Balance Retail 76% 29% Commercial 24% 71% Top 10 represents approximately 4.4% of total deposits Top 20 represents approximately 6.2% of total deposits Deposit Relationships

Excludes acquired deposits Deposit Growth Favorable Deposit Mix Change – More Checking less Time Deposits

Analyst Coverage Source: SNL Financial and/or analysts’ reports. Firm Analyst Report Rating Price 2015 Date Target EPS Estimate Fig Partners LLC John Rodis July 23, 2015 Market Perform $15.00 $0.86 314-570-2671 Hovde Group LLC Joseph Fenech July 22, 2015 Outperform $15.50 $0.84 312-386-5909 Keefe, Bruyette & Woods Inc. Brady Gailey, CFA July 23, 2015 Market Perform $14.50 $0.87 404-231-6546 Raymond James Financial Inc. Michael Rose July 23, 2015 Outperform 2 $15.50 $0.88 312-655-2940

Investor Contacts Ernie Pinner Executive Chairman esp@centerstatebank.com 863-419-7732 John Corbett President & Chief Executive Officer jcorbett@centerstatebank.com 863-294-6383 Jim Antal Chief Financial Officer jantal@centerstatebank.com 863-419-7775 Steve Young Treasurer Chief Operating Officer of Subsidiary Bank syoung@centerstatebank.com 863-294-8108