Centier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centier Bank of Merrillville, IN against its peer group of 136 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 | 1.62% | 1.34% | +0.28% | 75th top |
| ROAE | 16.49% | 12.25% | +4.24% | 83rd top |
| Net Interest Margin | 3.49% | 3.68% | -0.19% | 41st below |
| Efficiency Ratio | 46.26% | 53.86% | -7.60% | 77th top |
| PPNR / Avg Assets | 2.13% | — | — | 72nd above |
| Yield on Earning Assets | 5.76% | 5.58% | +0.18% | 76th top |
| Cost of Funds | 2.49% | 1.99% | +0.50% | 21st bottom |
| Net Interest Spread | 2.84% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 1.09% | -0.27% | 40th below |
| NPA / Total Assets | 0.64% | — | — | 36th below |
| NCO / Avg Loans | -0.01% | 0.36% | -0.37% | 96th top |
| ACL / Total Loans | 1.22% | — | — | 60th above |
| ACL / NPLs (Coverage) | 149.34% | — | — | 38th below |
| Texas Ratio | 5.89% | 5.43% | +0.46% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.85% | 14.50% | -1.65% | 46th below |
| Tier 1 Ratio | 12.85% | 14.60% | -1.75% | 45th below |
| Total Capital Ratio | 14.04% | — | — | 46th below |
| Leverage Ratio | 10.74% | 10.26% | +0.48% | 64th above |
| Equity / Assets | 9.86% | 11.55% | -1.69% | 25th below |
| TCE / Tangible Assets | 9.86% | — | — | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.29% | 83.97% | +8.32% | 26th below |
| Core Deposit Ratio | 85.93% | 86.78% | -0.85% | 30th below |
| Uninsured Deposit Ratio | 38.52% | 38.93% | -0.41% | 50th above |
| Wholesale Funding Ratio | 4.41% | — | — | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.86% | — | — | 49th below |
| Loan Growth (Y/Y) | 4.42% | — | — | 40th below |
| Deposit Growth (Y/Y) | 10.38% | — | — | 70th above |
See Centier Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centier 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 Centier 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 Centier Bank peer analysis.