Centerbank
Milford, OH · Cert 35117 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=18-19)
FDIC · 3 branches
Q1 2025
$341.3MAssets
$306.3MLoans
$280.4MDeposits
$36.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 12 of 18).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 17 of 19).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.93%
Rank 4 of 19
Net Interest Margin
3.48%
Rank 3 of 19
Efficiency Ratio
65.89%
Rank 3 of 19
Equity / Assets
10.78%
Rank 12 of 19
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 89% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.15% | 0.58% | 0.90% | Beats 79% | 4 / 19 | |
| Return on Equity | 8.66% | 1.15% | 5.65% | 9.03% | Beats 68% | 6 / 19 | |
| Net Interest Margin | 3.48% | 2.48% | 3.07% | 3.40% | Beats 84% | 3 / 19 | |
| Efficiency Ratio | 65.89% | 67.71% | 75.01% | 94.80% | Beats 89% | 3 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.00% | 0.34% | 0.59% | Beats 39% | 12 / 18 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.00% | Beats 100% | 12 / 18 | |
| Capital |
| Tier 1 Capital Ratio | 11.58% | 11.94% | 15.05% | 20.44% | Beats 16% | 16 / 19 | |
| Total Risk-Based Capital Ratio | 11.58% | 13.19% | 15.89% | 20.44% | Beats 11% | 17 / 19 | |
| Equity / Assets | 10.78% | 9.34% | 11.90% | 20.48% | Beats 37% | 12 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 109.24% | 69.78% | 96.69% | 113.33% | 68th pctl | 6 / 19 | |
| Loans / Assets | 89.73% | 69.17% | 80.24% | 84.21% | 94th pctl | 1 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |