CENTERA BANK

SUBLETTE, KS | Small | Est. Oct. 18, 1937, midnight | FDIC #16436 | RSSD #51459 | FDIC
Latest Report: 2025-12-31

CENTERA BANK is asn small FDIC-insured commercial bank headquartered in SUBLETTE, KS, established in Oct. 18, 1937, midnight. As of 2025-12-31, the bank reported total assets of $321M and total deposits of $293M. Profitability stands at 0.66% ROA and 8.46% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 15.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.08%. FDIC Certificate #16436.

Assets

$321M

Deposits

$293M

Loans

$156M

Equity

$25M

Profitability

Return on Assets (ROA) 0.66%
Return on Equity (ROE) 8.46%
Net Interest Margin (NIM) 3.43%
Yield on Assets 4.82%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.08%
NPA Ratio 0.09%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 15.51%
Tier 1 Capital 15.51%
Total Capital Ratio 16.41%
Leverage Ratio 9.30%
Loan-to-Deposit 53.18%

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