Centier Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.05 percentage points lower than in Q1 2026, at 149.34%. Centier Bank ranks 22nd of 87 Indiana banks on return on assets, in the upper half at 1.62% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.29% on return on assets. Centier Bank sits 0.34 points higher, at 1.62% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 14.04% |
| Tier 1 leverage ratio | 10.74% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.64% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.89% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 149.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 16.49% |
| Net interest margin | 3.49% |
| Efficiency ratio | 46.26% |
| Yield on earning assets | 5.76% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.29% |
| Core deposits to total deposits | 85.93% |
| Brokered deposits to total deposits | 10.22% |
| Deposits to assets | 84.39% |
| Securities to assets | 16.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.73% | 9.73% | 1.84% |
| Q4 2023 | 10.64% | 10.64% | 11.73% | 9.47% | 1.85% |
| Q1 2024 | 11.17% | 11.17% | 12.31% | 9.60% | 1.68% |
| Q2 2024 | 11.28% | 11.28% | 12.46% | 9.56% | 1.69% |
| Q3 2024 | 11.33% | 11.33% | 12.42% | 9.59% | 1.68% |
| Q4 2024 | 11.18% | 11.18% | 12.25% | 9.61% | 1.56% |
| Q1 2025 | 11.92% | 11.92% | 13.05% | 9.96% | 1.58% |
| Q2 2025 | 11.93% | 11.93% | 13.06% | 10.03% | 1.75% |
| Q3 2025 | 12.12% | 12.12% | 13.27% | 10.30% | 1.68% |
| Q4 2025 | 12.84% | 12.84% | 14.06% | 10.62% | 1.61% |
| Q1 2026 | 12.63% | 12.63% | 13.80% | 10.88% | 1.50% |
| Q2 2026 | 12.85% | 12.85% | 14.04% | 10.74% | 1.62% |
Centier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centier Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)