Centier Bank
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Data as of · sourced from FFIEC call reports. How we update
Centier Bank is an FDIC-insured commercial bank headquartered in Merrillville, IN, established in 1895 (FDIC certificate 12854), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $10.41B, up 5.9% from Q2 2025, the 4th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 12.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12854
- Headquarters
- Merrillville, IN
- Established
- 1895
- Total assets, Q2 2026
- $10.41B
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 12.85%
- Domestic offices
- 63 FDIC institution directory, current count
- Routing number
- 071902878
- Latest call report
- Q2 2026, FFIEC 041 · Centier Bank call report
- Holding company
- FIRST BANCSHARES, INC.
- Asset rank in state
- 4th of 87 in Indiana
Problem loans are rising at Centier Bank. It reported $10.4 billion in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.82% of loans from 0.12% a year earlier. It returns 16.5% a year on shareholders' equity, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 11.1%). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Deposits are coming in faster than loans: over the year loans rose 4.4% and deposits rose 10.4%. Delinquency has appeared in its $1.9 billion non-owner-occupied commercial real estate book: 1.58% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, Centier Bank reported a CET1 capital ratio of 12.85%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 5.89%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Centier Bank is the 4th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $10.41B, loans rose 1.3% and deposits rose 5.6%. The largest part of its loan book on June 30, 2026 was loans to nondepository financial institutions, at 25.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. Its 63 offices in the FDIC Summary of Deposits are in 37 cities in IN; its Merrillville office books 27% of its branch deposits. On its Q2 2026 call report, Centier Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1500 119th St, Merrillville, IN 46394
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 21, 1895
- Former names
- The First Bank of Whiting (1960-1991)
- Domestic offices
- 63 FDIC institution directory, current count
- Employees (FTE)
- 1,138
- Domestic deposits
- $8.79B
- Allowance for credit losses
- $99.0M
- Net charge-offs (YTD)
- $3.2M
- Average total assets
- $10.27B
- Average total loans
- $7.95B
- Average interest-bearing deposits
- $7.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12854
- Fed RSSD
- 783648
- SEC CIK
- 1693512 → filed by FIRST BANCSHARES, INC.
- Website
- www.centier.com →
- Parent Holding Company
- FIRST BANCSHARES, INC. (RSSD 1204560)
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
Centier Bank's total assets moved between a low of $8.19B (Q3 2023) and a high of $10.41B (Q2 2026) from Q3 2023 to Q2 2026, 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
$10.41B total assets against $9.83B; $9.39B total liabilities against $8.93B.
$8.01B net loans and leases against $7.68B; $8.79B total deposits against $7.96B.
$1.72B securities against $1.44B; $210.9M cash and balances due against $245.3M.
$142.0M total interest income against $142.1M; $56.0M total interest expense against $59.7M.
$86.0M net interest income against $82.4M.
$16.3M total noninterest income against $15.4M; $47.6M total noninterest expense against $41.2M.
$3.3M provision for credit losses against $3.0M.
$41.7M net income against $43.0M.
1.62% return on assets against 1.75%; 3.49% net interest margin against 3.52%.
12.85% CET1 capital ratio against 11.93%; 10.74% tier 1 leverage ratio against 10.03%.
Inside the full Centier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Centier Bank rankings
Its closest position to the top of a national ranking is 151 of 4,196, for total assets; its furthest is 1,460 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q1 2026) to 1.75% (Q2 2025) and its net interest margin ran from 3.41% (Q4 2024) to 3.59% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.62% | 0.82% | 5.89% | 3.49% |
| Q1 2026 | 12.63% | 1.50% | 0.68% | 4.98% | 3.56% |
| Q4 2025 | 12.84% | 1.61% | 0.34% | 2.70% | 3.58% |
| Q3 2025 | 12.12% | 1.68% | 0.10% | 1.06% | 3.59% |
| Q2 2025 | 11.93% | 1.75% | 0.13% | 1.31% | 3.52% |
| Q1 2025 | 11.92% | 1.58% | 0.13% | 1.33% | 3.47% |
| Q4 2024 | 11.18% | 1.56% | 0.10% | 1.21% | 3.41% |
| Q3 2024 | 11.33% | 1.68% | 0.13% | 0.97% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 63 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 |
|---|---|---|---|
| Merrillville Branch | Merrillville , IN | 46410 | $2.37B |
| Crown Point Downtown Branch | Crown Point , IN | 46307 | $401.9M |
| Valparaiso Downtown Branch | Valparaiso , IN | 46383 | $350.3M |
| St. John Branch | Saint John , IN | 46373 | $325.1M |
| Chesterton Downtown Branch | Chesterton , IN | 46304 | $321.6M |
| Highland Branch | Highland , IN | 46322 | $242.1M |
| Lowell Branch | Lowell , IN | 46356 | $234.8M |
| Winfield Branch | Crown Point , IN | 46307 | $229.9M |
| Hobart Downtown Branch | Hobart , IN | 46342 | $228.5M |
| Indianapolis Downtown Branch | Indianapolis , IN | 46204 | $226.3M |
| Valparaiso North Branch | Valparaiso , IN | 46383 | $194.5M |
| Carmel Branch | Carmel , IN | 46032 | $184.8M |
| Griffith Branch | Griffith , IN | 46319 | $178.1M |
| Dyer Branch | Dyer , IN | 46311 | $164.8M |
| Portage Willowcreek Branch | Portage , IN | 46368 | $153.4M |
| Gary Downtown Branch | Gary , IN | 46402 | $146.0M |
| Valparaiso South Branch | Valparaiso , IN | 46383 | $143.6M |
| Centier Bank (main office) | Whiting , IN | 46394 | $142.8M |
| Crown Point South Branch | Crown Point , IN | 46307 | $142.7M |
| West Lafayette Branch | West Lafayette , IN | 47906 | $134.1M |
| Munster Branch | Munster , IN | 46321 | $127.2M |
| Chesterton South Branch | Chesterton , IN | 46304 | $126.7M |
| Schererville East Branch | Crown Point , IN | 46307 | $122.0M |
| Lafayette Downtown Branch | Lafayette , IN | 47901 | $109.0M |
| Crown Point North Branch | Crown Point , IN | 46307 | $106.6M |
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 |
|---|---|---|---|
| February 8, 1992 | Structure Change | Acquired First Commerce Savings Bank, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 1992 | Merger | Rtc Assisted Merger | FDIC |
| August 11, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 1982 | Structure Change | Acquired South Lake National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 1982 | Structure Change | Acquired The First National Bank of Crown Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 4.0% of deposits in IN, rank 7 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,081 applications, 1,890 loans originated, $521.6M originated, across 28 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 42 loans, $13.0M approved, $310K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Centier Bank
What are Centier Bank's total assets?
As of the Q2 2026 filing, Centier Bank reported total assets of $10.41 billion in its FFIEC call report.
Where is Centier Bank headquartered?
It is headquartered in Merrillville, IN, United States.
When was Centier Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Centier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centier Bank?
Centier Bank's primary federal regulator is the FDIC.
What is Centier Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Centier Bank operate?
It operates 63 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centier Bank's Texas Ratio?
Its Texas Ratio is 5.89% 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.
What was Centier Bank previously called?
The charter now named Centier Bank has also operated as The First Bank of Whiting (1960-1991), per FDIC structure-change records.
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