Centier Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.43 percentage points lower than in Q1 2026, at 96.02%. Centier Bank ranks 21st of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 92.29% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. Centier Bank sits 5.42 points higher, at 92.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $210.9M |
| Cash and noninterest-bearing balances to assets | 2.03% |
| Cash and securities | $1.93B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $174.0M |
| Other borrowed money | $285.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.29% |
| Net loans and leases to deposits | 91.17% |
| Loans and leases to core deposits | 96.02% |
| Core deposits to total deposits | 85.93% |
| Brokered deposits to total deposits | 10.22% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.88% | 76.91% | $50.0M | $410.0M |
| Q4 2023 | 97.06% | 78.15% | $50.0M | $560.0M |
| Q1 2024 | 96.84% | 81.44% | $130.0M | $485.0M |
| Q2 2024 | 95.67% | 81.79% | $65.0M | $495.0M |
| Q3 2024 | 96.35% | 79.72% | $90.0M | $565.0M |
| Q4 2024 | 102.25% | 83.85% | $50.0M | $1.06B |
| Q1 2025 | 99.28% | 85.40% | $65.0M | $830.0M |
| Q2 2025 | 97.56% | 84.54% | $100.0M | $715.0M |
| Q3 2025 | 97.83% | 84.30% | $90.0M | $665.0M |
| Q4 2025 | 98.59% | 89.51% | $75.0M | $640.0M |
| Q1 2026 | 96.17% | 84.89% | $140.1M | $475.0M |
| Q2 2026 | 92.29% | 85.93% | $174.0M | $285.0M |
Centier Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centier Bank, freeSource: Call Report Schedules RC and RC-M, 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)