Bank Safety Analysis
Is Centier Bank Safe?
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Centier Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 1.62%. Centier Bank ranks 29th of 50 Indiana banks on CET1 ratio, in the lower half at 12.85% (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). From Q3 2023 to Q2 2026, Centier Bank's CET1 ratio ranged between 10.64% (Q3 2023) and 12.85% (Q2 2026) and its Texas ratio ranged between 0.97% (Q3 2024) and 5.89% (Q2 2026). Between Q2 2025 and Q2 2026, Centier Bank's CET1 ratio rose from 11.93% to 12.85%, nonperforming loan ratio (nonaccrual plus modified loans) rose from 0.12% to 0.78%, Texas ratio rose from 1.31% to 5.89% and return on assets fell from 1.75% to 1.62%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it. See the model evidence and limits.
Scorecard by dimension
Peer cohort: banks with $10B to $100B in assets (136 banks) · Industry averages as of Q2 2026.
CET1 of 12.85% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.74% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.78% are within industry-normal range.
Texas Ratio of 5.9% is well below the 100% historical failure threshold.
Efficiency ratio of 46.3% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.85% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.89% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.78% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 38.52% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 92.29% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 265.51% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.85% |
| Q1 2026 | 12.63% |
| Q4 2025 | 12.84% |
| Q3 2025 | 12.12% |
| Q2 2025 | 11.93% |
| Q1 2025 | 11.92% |
| Q4 2024 | 11.18% |
| Q3 2024 | 11.33% |
| Q2 2024 | 11.28% |
| Q1 2024 | 11.17% |
| Q4 2023 | 10.64% |
| Q3 2023 | 10.64% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.89% |
| Q1 2026 | 4.98% |
| Q4 2025 | 2.70% |
| Q3 2025 | 1.06% |
| Q2 2025 | 1.31% |
| Q1 2025 | 1.33% |
| Q4 2024 | 1.21% |
| Q3 2024 | 0.97% |
| Q2 2024 | 1.86% |
| Q1 2024 | 1.56% |
| Q4 2023 | 1.46% |
| Q3 2023 | 1.68% |
Centier Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.85% | 0.78% | 5.89% | 1.62% |
| Mar 31, 2026 | 12.63% | 0.67% | 4.98% | 1.50% |
| Dec 31, 2025 | 12.84% | 0.31% | 2.70% | 1.61% |
| Sep 30, 2025 | 12.12% | 0.09% | 1.06% | 1.68% |
| Jun 30, 2025 | 11.93% | 0.12% | 1.31% | 1.75% |
| Mar 31, 2025 | 11.92% | 0.13% | 1.33% | 1.58% |
| Dec 31, 2024 | 11.18% | 0.10% | 1.21% | 1.56% |
| Sep 30, 2024 | 11.33% | 0.13% | 0.97% | 1.68% |
| Jun 30, 2024 | 11.28% | 0.23% | 1.86% | 1.69% |
| Mar 31, 2024 | 11.17% | 0.18% | 1.56% | 1.68% |
| Dec 31, 2023 | 10.64% | 0.19% | 1.46% | 1.85% |
| Sep 30, 2023 | 10.64% | 0.21% | 1.68% | 1.84% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Centier Bank FDIC insured?
Yes. Centier Bank is an FDIC-insured commercial bank (FDIC Certificate #12854). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Centier Bank well capitalized?
Yes. Centier Bank reports a CET1 Ratio of 12.85%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Centier Bank's nonperforming loan ratio?
As of the most recent call report, Centier Bank's nonperforming loan ratio is 0.78%. Nonperforming loans at 0.78% are within industry-normal range.
What is Centier Bank's Texas Ratio?
Centier Bank's Texas Ratio is 5.89%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 12854) · FFIEC NIC profile (RSSD 783648)
Explore: Full Centier Bank profile · Other banks in IN · Metric glossary · How the call report works