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Centier Bank
Whiting, IN · FDIC Certificate #12854 · Chartered 04/2
Total assets
$10.41B
Total deposits
$8.79B
Total equity
$1.03B
Net loans
$8.01B
Branches (offices)
63
Net income (YTD)
$78.69M
Rank: #155 of 4,213 U.S. banks by assets · #4 of 87 in Indiana. Assets changed 5.9% and deposits 10.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 15.71% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 9.86% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 38.5% |
| Noncurrent loans (share of loans) | 0.82% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 91.2% |
| Real estate loans (share of loans) | 59.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.79B | 59.8% | |
| Commercial & industrial | $733.33M | 9.2% | |
| Consumer / individual | $470.82M | 5.9% | |
| Construction & development | $612.61M | 7.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.37B | $5.39B | $49.02M | $573.92M |
| Jun 2023 | $7.77B | $6.36B | $65.69M | $653.08M |
| Jun 2024 | $8.92B | $7.43B | $74.41M | $769.43M |
| Jun 2025 | $9.83B | $7.96B | $80.64M | $902.27M |
| Jun 2026 | $10.41B | $8.79B | $78.69M | $1.03B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $8.79B | 63 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $8.79B.
Similar-sized banks
Charles Schwab Trust Bank ($10.51B) · Amarillo National Bank ($10.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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