Centier Bank
Merrillville, IN · Cert 12854 · Peer group: banks over $10B in assets (n=142-144) · First Bancshares Inc.
State charter, non-member · FDIC · 63 branches
Q2 2026
$10.4BAssets
$8.1BLoans
$8.8BDeposits
$1.0BEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks over $10B in assets (rank 30 of 144).
- Widest gap: equity / assets trails 70% of banks over $10B in assets (rank 101 of 144).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.51%
Rank 41 of 144
Net Interest Margin
3.31%
Rank 70 of 144
Efficiency Ratio
48.18%
Rank 31 of 144
Equity / Assets
9.86%
Rank 101 of 144
Non-interest income vs. expense
Unfavorable gap of $130.5M · efficiency ratio beats 79% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 1.00% | 1.26% | 1.54% | Beats 72% | 41 / 144 | |
| Return on Equity | 15.34% | 8.98% | 11.34% | 14.40% | Beats 79% | 30 / 144 | |
| Net Interest Margin | 3.31% | 2.82% | 3.31% | 3.68% | Beats 51% | 70 / 144 | |
| Efficiency Ratio | 48.18% | 49.42% | 56.02% | 62.41% | Beats 79% | 31 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.48% | 0.73% | 1.07% | Beats 44% | 80 / 142 | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 75% | 36 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 12.07% | 12.98% | 14.92% | Beats 47% | 76 / 144 | |
| Total Risk-Based Capital Ratio | 14.04% | 13.39% | 14.14% | 16.25% | Beats 47% | 77 / 144 | |
| Equity / Assets | 9.86% | 9.69% | 11.39% | 12.96% | Beats 30% | 101 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 92.29% | 75.72% | 84.92% | 91.56% | 78th pctl | 31 / 143 | |
| Loans / Assets | 77.89% | 59.83% | 69.07% | 74.80% | 82nd pctl | 26 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |