Centera Bank is a state-chartered bank headquartered in Sublette, Kansas, in business for about 89 years. At the end of Q2 2026 it reported $318.1M in total assets and $290.5M in deposits, with 6 offices.
Based on its Q2 2026 filing, Centera Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 70th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (46/100; 9.59%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (73 → 78), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 76 |
| Q2 2026 | 78 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.27% |
| Q3 2024 | 9.31% |
| Q4 2024 | 9.30% |
| Q1 2025 | 8.99% |
| Q2 2025 | 9.21% |
| Q3 2025 | 9.38% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.21% |
| Q2 2026 | 9.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.89% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $318.1M | 9.59% | 0.01% | 1.63% | 51.2% |
| Q1 2026 | 76 | $328.3M | 9.21% | 0.04% | 1.53% | 49.1% |
| Q4 2025 | 71 | $320.6M | 9.30% | 0.18% | 1.00% | 52.6% |
| Q3 2025 | 73 | $314.3M | 9.38% | 0.03% | 1.11% | 53.4% |
| Q2 2025 | 73 | $322.9M | 9.21% | 0.01% | 1.12% | 50.3% |
| Q1 2025 | 70 | $332.1M | 8.99% | 0.01% | 0.85% | 47.3% |
| Q4 2024 | 70 | $312.8M | 9.30% | 0.02% | 0.76% | 51.0% |
| Q3 2024 | 71 | $319.2M | 9.31% | 0.05% | 0.86% | 51.7% |
| Q2 2024 | 72 | $309.7M | 9.27% | 0.03% | 0.89% | 51.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| KCB BankBank Lakin, KS | 73 out of 100, Strong | $322.3M | 12.6% | 1.15% | vs |
| Heritage BankBank Topeka, KS | 64 out of 100, Moderate | $324.9M | 9.9% | 1.28% | vs |
| First Heritage BankBank Centralia, KS | 73 out of 100, Strong | $303.4M | 9.0% | 0.00% | vs |
| SJN Bank of KansasBank Saint John, KS | 37 out of 100, Low | $302.9M | 9.2% | 6.97% | vs |
| Stryv BankBank Wichita, KS | 62 out of 100, Moderate | $333.3M | 8.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Centera Bank?
Yes. Centera Bank is an FDIC-insured institution (FDIC certificate #16436). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($85.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.59%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.44% (benchmark: 10%).
6 locations
Branches
Centera Bank lists 5 offices in 5 cities. Most locations:
- Dodge City, KS (1)
- Greensburg, KS (1)
- Minneola, KS (1)
- Satanta, KS (1)
- Sublette, KS (1)
Identity & history
Profile
- Legal name
- Centera Bank
- Former names
- The Haskell County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16436
- RSSD ID
- 51459
- Primary regulator
- FDIC
- Holding company
- Santa Fe Trail Banc Shares Inc
- Established
- October 18, 1937
- Headquarters
- 119 S Inman St, Sublette, KS 67877
- Website
- www.centerabank.com
- Employees
- 49
Quick answers
Centera Bank: common questions
Is Centera Bank FDIC insured?
Yes. Centera Bank is an FDIC-insured institution (FDIC certificate #16436). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Centera Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Centera Bank ever failed?
There is no failure record for FDIC certificate #16436 in the FDIC failed bank list.
How many branches does Centera Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sublette
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Great Plains Federal Credit UnionCredit union Joplin, MO | 74 out of 100, Strong | $318.8M | 13.0% | 0.53% | vs |
| Bank of the PlainsBank Plains, KS | 71 out of 100, Strong | $445.6M | 9.3% | 0.44% | vs |