TellerScore

Headquartered in Whiting, Indiana, Centier Bank is a state-chartered bank with $10.4B in total assets and $8.8B in deposits as of Q2 2026. It operates 63 offices. Its charter dates back to 1895.

Based on its Q2 2026 filing, Centier Bank scores 67/100, which we describe as moderate. That is higher than 63% of 132 banks with $10 billion – $100 billion. Among 88 banks headquartered in Indiana, it ranks 42nd. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is funding & liquidity (43/100; 91% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.74%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.82%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 91.2% · 38.5% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.91%

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 fell 5 points (72 → 67), mostly because the loan quality component weakened by 23 points.

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202470
Q1 202571
Q2 202572
Q3 202573
Q4 202571
Q1 202668
Q2 202667
Tier 1 leverage ratio
5.00%7.94%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.56%
Q3 20249.59%
Q4 20249.61%
Q1 20259.96%
Q2 202510.03%
Q3 202510.30%
Q4 202510.62%
Q1 202610.88%
Q2 202610.74%
Noncurrent loans
0.10%0.46%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.13%
Q4 20240.10%
Q1 20250.13%
Q2 20250.13%
Q3 20250.10%
Q4 20250.34%
Q1 20260.68%
Q2 20260.82%
Return on assets
1.50%1.60%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.70%
Q4 20241.67%
Q1 20251.57%
Q2 20251.67%
Q3 20251.67%
Q4 20251.67%
Q1 20261.50%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$10.4B10.74%0.82%1.57%91.2%
Q1 202668$10.1B10.88%0.68%1.50%95.0%
Q4 202571$9.7B10.62%0.34%1.67%97.4%
Q3 202573$9.9B10.30%0.10%1.67%96.7%
Q2 202572$9.8B10.03%0.13%1.67%96.4%
Q1 202571$9.5B9.96%0.13%1.57%98.1%
Q4 202470$9.7B9.61%0.10%1.67%101.1%
Q3 202471$9.3B9.59%0.13%1.70%95.3%
Q2 202470$8.9B9.56%0.23%1.70%94.5%

132 peers · $10 billion – $100 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).

Capital ratio10.74%
66th
Total risk-based capital14.04%
49th
Problem loans0.82%
39th
Net charge-offs0.08%
63rd
Return on assets1.57%
76th
Net interest margin3.57%
50th
Efficiency ratio48.2%
71st
Loans to deposits91.2%
27th
Uninsured deposits38.5%
49th
Loan-loss reserves1.22%
62nd
Texas ratio5.9%
26th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Merchants Bank of IndianaBank Carmel, IN63 out of 100, Moderate$21.2B11.3%1.18%vs
First Merchants BankBank Muncie, IN58 out of 100, Moderate$21.3B10.0%0.82%vs
Old National BankBank Evansville, IN59 out of 100, Moderate$73.9B8.8%0.92%vs

Deposit insurance

Is my money safe at Centier Bank?

Yes. Centier Bank is an FDIC-insured institution (FDIC certificate #12854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.5% of deposits ($3.4B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.04% (benchmark: 10%).

Check how much of your own balance is covered

63 locations

Branches

Centier Bank lists 62 offices in 37 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Centier Bank reported 2,786 home-loan applications under HMDA (LEI 549300SKTBTC2QFDKG02): 1,890 originated ($521,620,000 total), 551 denied, and 238 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Centier Bank
Former names
The First Bank of Whiting; Bank of Whiting
Type
State-chartered bank
FDIC certificate #
12854
RSSD ID
783648
Primary regulator
FDIC
Holding company
First Bancshares Inc
Established
April 21, 1895
Headquarters
1500 119th St, Whiting, IN 46394
Employees
1,138

Quick answers

Centier Bank: common questions

Is Centier Bank FDIC insured?

Yes. Centier Bank is an FDIC-insured institution (FDIC certificate #12854). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Centier Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Centier Bank ever failed?

There is no failure record for FDIC certificate #12854 in the FDIC failed bank list.

How many branches does Centier Bank have?

63 offices as of the latest FDIC data.

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