Centera Bank
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Data as of · sourced from FFIEC call reports. How we update
Centera Bank is an FDIC-insured commercial bank headquartered in Sublette, KS, established in 1937 (FDIC certificate 16436), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.1M, down 1.5% from Q2 2025, the 68th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 16.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16436
- Headquarters
- Sublette, KS
- Established
- 1937
- Total assets, Q2 2026
- $318.1M
- Assets vs Q2 2025
- -1.5%
- CET1 ratio, Q2 2026
- 16.52%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101110271
- Holding company
- SANTA FE TRAIL BANC SHARES, INC.
- Asset rank in state
- 68th of 182 in Kansas
Centera Bank is one of the more profitable banks of its size. Based in Sublette, Kansas, it had $318 million in assets at June 30, 2026, down 1.5% from a year earlier. It returns 22.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $1.4 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.4 million equal 24% of Tier 1 capital, down from 31% a year earlier. Where it has less room is capital: it funds 9.59% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Centera Bank reported a CET1 capital ratio of 16.52%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Centera Bank is the 68th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $318.1M, loans rose 0.4% and deposits fell 3.7%. Agricultural production loans made up 28.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 24.8%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in KS; its Sublette 2 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Centera Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 119 S Inman St, Sublette, KS 67877
- County
- Haskell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 18, 1937
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $290.5M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $325.1M
- Average total loans
- $149.4M
- Average interest-bearing deposits
- $225.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 31, 1946
- FDIC Cert
- 16436
- Fed RSSD
- 51459
- Website
- www.centerabank.com →
- Parent Holding Company
- SANTA FE TRAIL BANC SHARES, INC. (RSSD 1057289)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Centera Bank's total assets ranged from $309.7M (Q2 2024) to $332.1M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$318.1M total assets against $322.9M; $292.8M total liabilities against $300.5M.
$148.9M net loans and leases against $150.2M; $290.5M total deposits against $298.4M.
$142.4M securities against $140.0M; $9.9M cash and balances due against $16.4M.
$3.7M total interest income against $3.6M; $928K total interest expense against $1.1M.
$2.8M net interest income against $2.5M.
$423K total noninterest income against $476K; $2.0M total noninterest expense against $2.0M.
-$4K provision for credit losses against $41K.
$1.4M net income against $1.1M.
1.71% return on assets against 1.37%; 3.59% net interest margin against 3.20%.
16.52% CET1 capital ratio against 15.81%; 9.59% tier 1 leverage ratio against 9.21%.
Inside the full Centera Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentera Bank rankings
Its closest position to the top of a national ranking is 896 of 3,611, for ROA; its furthest is 3,279 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q4 2024) to 1.71% (Q2 2026) and its net interest margin ran from 2.85% (Q3 2024) to 3.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.52% | 1.71% | 0.01% | 0.06% | 3.59% |
| Q1 2026 | 16.30% | 1.50% | 0.04% | 0.08% | 3.29% |
| Q4 2025 | 15.51% | 0.65% | 0.18% | 0.24% | 3.26% |
| Q3 2025 | 15.71% | 1.08% | 0.03% | 0.17% | 3.22% |
| Q2 2025 | 15.81% | 1.37% | 0.01% | 0.06% | 3.20% |
| Q1 2025 | 15.90% | 0.84% | 0.01% | 0.07% | 2.90% |
| Q4 2024 | 15.40% | 0.45% | 0.02% | 0.16% | 2.86% |
| Q3 2024 | 15.23% | 0.81% | 0.05% | 0.36% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Centera Bank (main office) | Sublette , KS | 67877 | $120.9M |
| Dodge City Branch | Dodge City , KS | 67801 | $57.3M |
| Satanta Branch | Satanta , KS | 67870 | $47.5M |
| Minneola Branch | Minneola , KS | 67865 | $39.8M |
| Greensburg Branch | Greensburg , KS | 67054 | $25.1M |
| Administrative Office Branch | Sublette , KS | 67877 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 19, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 19, 2005 | Structure Change | Acquired The Peoples State Bank, of Minneola, Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1998 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 1994 | Structure Change | Acquired The State Bank of Satanta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 80 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $143K approved, $143K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Centera Bank
What are Centera Bank's total assets?
As of the Q2 2026 filing, Centera Bank reported total assets of $318.1 million in its FFIEC call report.
Where is Centera Bank headquartered?
It is headquartered in Sublette, KS, United States.
When was Centera Bank founded?
It was established in 1937, per the FDIC institution directory.
Is Centera Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16436). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centera Bank?
Centera Bank's primary federal regulator is the FDIC.
What is Centera Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Centera Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centera Bank's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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