Centera Bank
Sublette, KS · Cert 16436 · Peer group: banks under $1B in assets in KS (n=98) · Santa Fe Trail Banc Shares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$318.1MAssets
$150.5MLoans
$290.5MDeposits
$25.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets in KS (rank 13 of 98).
- Widest gap: equity / assets trails 84% of banks under $1B in assets in KS (rank 82 of 98).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.33%
Rank 43 of 98
Net Interest Margin
3.33%
Rank 68 of 98
Efficiency Ratio
62.92%
Rank 64 of 98
Equity / Assets
7.96%
Rank 82 of 98
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 36% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 1.03% | 1.24% | 1.54% | Beats 56% | 43 / 98 | | |
| Return on Equity | 16.75% | 8.85% | 11.58% | 14.73% | Beats 87% | 13 / 98 | | |
| Net Interest Margin | 3.33% | 3.24% | 3.62% | 3.91% | Beats 31% | 68 / 98 | | |
| Efficiency Ratio | 62.92% | 51.87% | 58.88% | 64.74% | Beats 36% | 64 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.33% | 1.05% | Beats 77% | 24 / 98 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 36% | 64 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 16.52% | 11.81% | 13.71% | 17.33% | Beats 70% | 29 / 98 | | |
| Total Risk-Based Capital Ratio | 17.44% | 11.81% | 14.13% | 17.45% | Beats 73% | 26 / 98 | | |
| Equity / Assets | 7.96% | 8.60% | 11.34% | 13.10% | Beats 16% | 82 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.79% | 57.09% | 69.84% | 82.47% | 18th pctl | 80 / 98 | | |
| Loans / Assets | 47.30% | 49.34% | 58.31% | 68.94% | 21st pctl | 77 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |