Centier Bank
Centier Bank reported total assets of $10.4 bn at Q2 2026, up 5.9% on a year earlier, the 152nd largest of 497 banks in our US coverage. The CET1 capital ratio at Centier Bank was 12.85%, and the uninsured share of Centier Bank was 38.52%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Centier Bank slipped from 49th to 315th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Centier Bank apart
How large is Centier Bank?
The balance sheet of Centier Bank at : assets $10.4 bn, deposits $8.8 bn, net loans $8.0 bn (loans equal to 91.17% of deposits). Securities make up 16.5% of total assets at Centier Bank. Since , when Centier Bank held $3.2 bn, its assets grew 227.0%. In the year to , deposits at Centier Bank rose 10.4% while its total assets rose 5.9%. At , Centier Bank employed 1,138 full-time equivalent staff across 63 offices, about $9.1 mn of assets per employee and $139.5 mn of deposits per office.
How much funding at Centier Bank is uninsured?
At Centier Bank, uninsured deposits (above the FDIC limit) made up 38.52% of domestic deposits at (-1.45 pp on a year earlier); Centier Bank ranks 209th of 500 on this measure. In dollars, Centier Bank estimated $3.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.8 bn | +10.4% | 151st of 499 |
| Net loans and leases | $8.0 bn | +4.3% | 141st of 500 |
| Loan-to-deposit ratio | 91.17% | -5.27 pp | 170th of 500 |
| Tier 1 leverage ratio | 10.74% | +0.71 pp | 203rd of 500 |
| Total risk-based capital ratio | 14.04% | +0.98 pp | 246th of 448 |
| Net interest margin | 3.57% | +0.03 pp | 270th of 500 |
| Return on assets (ROA) | 1.57% | -0.10 pp | 136th of 500 |
| Efficiency ratio | 48.18% | +4.59 pp | 117th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $96.7 mn | Narrowed by $6.0 mn | |
| Noncurrent loans to total loans | 0.82% | +0.69 pp | 315th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | +0.06 pp | 237th of 500 (1 = lowest) |
US rank of Centier Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Centier Bank: assets, deposits and loans
- Total assets $10.4bn
- Deposits $8.8bn
- Net loans $8.0bn
Capital and securities
The CET1 ratio of Centier Bank stood at 12.85% in , +0.92 pp year on year. Low and high at Centier Bank since : 10.64% () to 12.85% (). Equity capital of Centier Bank at : $1.0 bn, or 9.9% of total assets. Centier Bank also reported a total capital ratio of 14.04% for , and a tier 1 leverage ratio of 10.74%.
The available-for-sale portfolio of Centier Bank showed an unrealized loss of $96.7 mn at ; the loss narrowed by $6.0 mn over the year.
Centier Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Centier Bank: unrealized securities gains and losses
- Available for sale -$97mn
- Held to maturity $0
Profitability and loan quality
For the year to , Centier Bank earned a return on equity of 15.71%; return on assets: 1.57%. Net interest margin at Centier Bank: 3.57%, +0.03 pp in a year. Centier Bank net income: $78.7 mn, down 2.4% year on year. The efficiency ratio of Centier Bank was 48.18%: about 48 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.82% of total loans at Centier Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at Centier Bank: $8.1 bn, up 4.4% in a year.
Centier Bank: profitability
- Return on equity 16%
- Net interest margin 3.6%
- Return on assets 1.6%
Peer group of Centier Bank
The peer group of Centier Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Centier Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Indiana. Against them, Centier Bank shows CET1 ratio 12.85% against a peer median of 12.74%, return on equity 15.71% against a peer median of 15.09% and uninsured deposit share 38.52% against a peer median of 44.80%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| WEX Bank | State nonmember bank | UT | $10.7 bn | 12.70% | 51.92% | 13.80% | |
| Washington Trust Bank | State nonmember bank | WA | $10.5 bn | 11.91% | 12.78% | 57.30% | |
| Charles Schwab Trust Bank | State member bank | TX | $10.5 bn | 79.60% | 27.48% | 5.38% | |
| Centier Bank | State nonmember bank | IN | $10.4 bn | 12.85% | 15.71% | 38.52% | |
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | State nonmember bank | KY | $10.4 bn | 12.02% | 14.12% | 40.97% | |
. FDIC Call Reports.
Last eight quarters
Two years at Centier Bank, to : assets +12.3%, deposits +15.0%, equity +23.6%. Staff 1,013 to 1,138; offices 59 to 63.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.3 bn | $9.7 bn | $9.5 bn | $9.8 bn | $9.9 bn | $9.7 bn | $10.1 bn | $10.4 bn |
| Total deposits | $7.6 bn | $7.6 bn | $7.5 bn | $8.0 bn | $8.1 bn | $7.8 bn | $8.3 bn | $8.8 bn |
| Bank equity capital | $830.5 mn | $826.6 mn | $867.3 mn | $902.3 mn | $944.2 mn | $982.2 mn | $996.4 mn | $1.0 bn |
| CET1 ratio | 11.33% | 11.18% | 11.92% | 11.93% | 12.12% | 12.84% | 12.63% | 12.85% |
| Return on equity (ROE) | 19.67% | 19.32% | 17.80% | 18.64% | 18.41% | 17.89% | 14.96% | 15.71% |
| Uninsured share of domestic deposits | 36.67% | 39.59% | 39.46% | 39.97% | 40.07% | 42.10% | 38.22% | 38.52% |
| Full-time equivalent employees | 1,013 | 1,028 | 1,036 | 1,059 | 1,062 | 1,071 | 1,099 | 1,138 |
| Number of offices | 59 | 60 | 60 | 60 | 61 | 61 | 62 | 63 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Centier Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Centier Bank?
Centier Bank reported $10.4 bn at in its Call Report. That makes Centier Bank the 152nd largest of 497 banks in our US coverage.
Is Centier Bank the same as its holding company?
No. This page covers Centier Bank, FDIC certificate 12854; FIRST BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Centier Bank profitable?
Centier Bank reported net income of $78.7 mn for the year to ; annualized return on equity: 15.71%. So yes: Centier Bank made a profit over these months.
When is data for Centier Bank next updated?
Figures from Centier Bank for are due after .
Where can I check the figures for Centier Bank?
In the FDIC BankFind Suite record for certificate 12854, and in the Call Reports of Centier Bank (RSSD ID 783648) at the FFIEC Central Data Repository.