Centera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centera Bank of Sublette, KS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.25% | +0.46% | 73rd above |
| ROAE | 22.35% | 13.17% | +9.18% | 92nd top |
| Net Interest Margin | 3.59% | 3.95% | -0.36% | 31st below |
| Efficiency Ratio | 60.38% | 61.50% | -1.12% | 52nd above |
| PPNR / Avg Assets | 1.54% | — | — | 46th below |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 15th bottom |
| Cost of Funds | 1.25% | 1.87% | -0.62% | 82nd top |
| Net Interest Spread | 3.11% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.93% | -0.92% | 84th top |
| NPA / Total Assets | 0.00% | — | — | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.07% | — | — | 34th below |
| ACL / NPLs (Coverage) | 10720.00% | — | — | — |
| Texas Ratio | 0.06% | 6.06% | -6.00% | 87th top |
| Provision / NCO | 7.69% | — | — | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.52% | 17.18% | -0.66% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.52% | 17.21% | -0.69% | 60th above |
| Total Capital Ratio | 17.44% | — | — | 59th above |
| Leverage Ratio | 9.59% | 11.75% | -2.16% | 23rd bottom |
| Equity / Assets | 7.96% | 10.98% | -3.02% | 13th bottom |
| TCE / Tangible Assets | 7.57% | — | — | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.79% | 80.44% | -28.65% | 91st top |
| Core Deposit Ratio | 81.10% | 86.95% | -5.85% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.49% | — | — | 12th bottom |
| Loan Growth (Y/Y) | -0.91% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | -2.65% | — | — | 11th bottom |
See Centera Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centera Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Centera Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Centera Bank peer analysis.