Centier Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 3.2% from Q1 2026 to Q2 2026, ending at $984.5M against $953.9M. It was the largest change among the key lines on this page. Within Indiana, Centier Bank is 29th of 50 on CET1 ratio, 12.85% as of Q2 2026. At 12.85%, Centier Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 14.04% |
| Tier 1 leverage ratio | 10.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.10B |
| Tier 1 capital | $1.10B |
| Total risk-based capital | $1.21B |
| Total equity capital | $1.03B |
| Risk-weighted assets | $8.58B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | 12.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $117.0M |
| Retained earnings | $984.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$76.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.73% | 9.73% | $7.25B |
| Q4 2023 | 10.64% | 10.64% | 11.73% | 9.47% | $7.55B |
| Q1 2024 | 11.17% | 11.17% | 12.31% | 9.60% | $7.45B |
| Q2 2024 | 11.28% | 11.28% | 12.46% | 9.56% | $7.64B |
| Q3 2024 | 11.33% | 11.33% | 12.42% | 9.59% | $7.87B |
| Q4 2024 | 11.18% | 11.18% | 12.25% | 9.61% | $8.23B |
| Q1 2025 | 11.92% | 11.92% | 13.05% | 9.96% | $7.97B |
| Q2 2025 | 11.93% | 11.93% | 13.06% | 10.03% | $8.24B |
| Q3 2025 | 12.12% | 12.12% | 13.27% | 10.30% | $8.38B |
| Q4 2025 | 12.84% | 12.84% | 14.06% | 10.62% | $8.15B |
| Q1 2026 | 12.63% | 12.63% | 13.80% | 10.88% | $8.48B |
| Q2 2026 | 12.85% | 12.85% | 14.04% | 10.74% | $8.58B |
Centier Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Centier Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Centier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12854) · FFIEC NIC profile (RSSD 783648)