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Centera Bank

Sublette, KS · Cert 16436 · Santa Fe Trail Banc Shares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$318.1MAssets
$150.5MLoans
$290.5MDeposits
$25.3MEquity
Loan mix
81%RE $85.4M15%C&I $15.5M4%Consumer $4.0MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $222.6M23%Noninterest $67.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.39%, up 28 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.59%, up 38 bps from a year ago.
  • Funding: loans stand at 51.79% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.39%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+36 bps YoY

Efficiency Ratio (quarter, annualized)

61.01%-472 bps YoY

Tier 1 Leverage Ratio

9.59%+38 bps YoY

NIM

4.15%Q2 ’244.38%Q2 ’254.58%Q2 ’26+18%+11%

Non-interest income vs. expense

2.25%Q2 ’242.41%Q2 ’252.41%Q2 ’26-5%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.35%0.69%1.10%0.89%0.53%1.24%1.39%+28 bps
Return on Equity11.29%5.76%11.64%16.96%12.13%6.77%16.25%18.04%+108 bps
Net Interest Margin2.77%2.76%2.81%3.10%3.10%3.11%3.14%3.45%+36 bps
Efficiency Ratio71.15%85.51%71.27%65.73%67.19%81.61%65.04%61.01%-472 bps
Non-Interest Burden1.87%2.31%1.89%1.83%1.94%2.45%1.90%1.89%+7 bps
Growth
Asset Growth (YoY)1.98%-2.11%2.46%4.25%-1.54%2.49%-1.14%-1.49%-574 bps
Loan Growth (YoY)7.58%6.37%6.86%3.14%1.91%3.40%1.08%-0.91%-404 bps
Deposit Growth (YoY)1.67%-1.51%4.59%4.62%-1.29%0.19%-2.60%-2.65%-726 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.02%0.01%0.01%0.03%0.18%0.04%0.01%0 bps
Net Charge-Offs / Loans0.02%0.01%0.09%0.00%0.08%0.01%0.00%0.03%+3 bps
Allowance / Loans1.04%1.05%1.07%1.09%1.05%1.04%1.08%1.07%-2 bps
Allowance Coverage of NPLs21.4x54.7x113.5x126.8x39.6x5.6x27.0x107.2x-19.6x
Capital
Tier 1 Leverage Ratio9.31%9.30%8.99%9.21%9.38%9.30%9.21%9.59%+38 bps
Total Risk-Based Capital16.11%16.30%16.83%16.74%16.61%16.41%17.23%17.44%+70 bps
Equity / Assets6.45%5.76%6.06%6.94%7.73%7.81%7.41%7.96%+102 bps
Liquidity & Funding
Loans / Deposits52.24%51.52%47.85%50.88%53.94%53.18%49.66%51.79%+91 bps
Liquid Assets / Assets0.93%3.23%7.49%3.56%1.17%0.49%4.68%1.86%-170 bps
CRE / Total Capitaln/an/an/an/a93.44%93.58%92.14%n/an/a