# CENTIER BANK
WHITING, IN · FDIC certificate 12854 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $10.41B | |
| Deposits | $8.79B | |
| Loans and leases | $8.11B | |
| Total equity | $1.03B | |
| Loans / deposits | 91.17% (p73 of band) | 85.78% |
| Liquid assets / assets | 18.54% (p29 of band) | |
| Uninsured deposits / deposits | 38.52% (p52 of band) | 38.39% |
| Brokered deposits | 8.62% | |
| Wholesale funding | 13.03% (p74 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 10.74% (p66 of band) | 10.17% |
| Unrealized securities loss / equity | -9.42% (p38 of band) | -7.43% |
| AOCI / equity | -1.22% (p12 of band) | |
| ROA (annualized) | 1.57% (p77 of band) | 1.24% |
| Net interest margin | 3.57% (p50 of band) | 3.57% |
| Efficiency ratio | 48.18% (p29 of band) | |
| Noncurrent loans | 0.82% (p62 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p44 of band) | |
| Reserve coverage of noncurrent | 149.34% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 59.69% (p86 of band) | |
| Auto loans | $3.2M (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.08B (203% of equity) (p94 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 1138 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 1 | capital falling | loans exceed deposits |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | loans exceed deposits | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 | loans-to-lenders >50% equity | construction >100% equity |
| 2018-03 | 3 | charge-offs p90 | capital falling |
| 2018-06 | 3 | construction >100% equity | charge-offs p90 |
| 2018-09 | 3 | wholesale funding >15% | construction >100% equity |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 | brokered >10% | capital falling |
| 2019-06 | 3 |  | brokered >10% |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 2 |  | wholesale funding >15%, capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | loans exceed deposits, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | capital falling, construction >100% equity |  |
| 2023-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | capital falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | loans exceed deposits | brokered >10% |
| 2025-03 | 2 |  | construction >100% equity, loans exceed deposits |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 2 | wholesale funding >15% |  |
| 2026-06 | 1 |  | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-17 [Centier Bank - Forbes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1VZGRwVk05WWNFRFpRQkh4aFJpZGh5RlpLM05jNHBZZ0NfMktuNTZSTXM5cE9ucEhoVWdWYzNxRFFYQnRzQjdqX3UzUHVBS0FOZlJUdWhsckk5Zw?oc=5) · Forbes
- 2026-06-22 [Centier Bank Ranks No. 1 On Forbes’ 2026 List Of Best-In-State-Banks - GreatNews.Life](https://news.google.com/rss/articles/CBMinwFBVV95cUxQQUdVWXlpUUdadmRhVzBDZ1VQNVJuS1paRnJPVENCbEJVMVBDMExuWG1kcFNhbVdzN293dXgtOUp6RG5QczdhNXJXeWstLXhYbTFRNFpIUER4MXpoYVlpZi1pTG9sNkFrMUMwT2xLV0VrODR4RmMyc2t5QTVGa0w2QjV0N3BjYnNzUkFxTEVpQjlzaUdvUGtUX0xQSFo0SWM?oc=5) · GreatNews.Life
- 2026-07-31 [Centier Bank opens new Westfield branch - Current Publishing](https://news.google.com/rss/articles/CBMigwFBVV95cUxPU1l3SHVWNmJCNHQ4V2Z4cG1PT0FFSWtHaG9Wdk9YNllVS2FOYUZKWGRQeVJOazBHT1dod2Ffd05qWkYzc28yMlEydUg4YlktRVI2dFZDZE5FSERWN19fa3VrS3VSaXo1LTc0QXdJYnlkMmNmNDZFdUVTbjgyeFd3T3ZkMA?oc=5) · Current Publishing
- 2026-08-14 [Centier Bank Reviews: Written By Customers in 2026 - consumeraffairs.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5vaDczT2RlbUw5Q2ZTUW1NcVBHcjJUWmw4Nkk0UUs4bzl6aVU5cUNqNllLSUs2WHB3V2t2bjZOZGY5T1IzTHdTZTlBaC1hU2tOcHd5QUFBSmh0T04xU2xaRy1xWWdrcTRB?oc=5) · consumeraffairs.com
- 2026-08-19 [Man accused of using bicycle, grocery bag and handgun to rob Greenwood bank; buys used Cadillac - Fox 59](https://news.google.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?oc=5) · Fox 59
- 2026-08-03 [Banks keep branching out - nwindianabusiness.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTlJYeW5wM3duWnRBVVV1dWw0Y1EyeWpEa19zNTlJenJyMjhFOWY4QzlPYzk2N25PV2lvcU5rMy1veDkzV0xrXzhyX19TSUIxV19tN2thYkNLZ1gxMnNpeFZucTM0ZC01OWtIbGNWb2pPLUstSmNLR0ViaGVHVTM5NzlkaDVvdnN5eUpubjlB?oc=5) · nwindianabusiness.com
- 2025-12-03 [Centier Bank Ranked Best Bank to Work for in State, 5th in U.S. - Building Indiana Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxPa083Z1haNE81b0ZyME1iVUNVc1UtdFF6U1psT3ljeTZMbmk2ZV9wYnVHOEVUN3VxLTA4TDJsdmtLeUpGdnVITE83QWptel9iY0dCWnp4bjZSTWdJV1VINXBVTXVQOTFYbFByMXRlYzFSVlVpaXU1TDBqVWZWckVQTGIyUTNsb2NsNGVLRWFodzlsb0dNM3pEWmdTZTNMWFlsLWtLVA?oc=5) · Building Indiana Business
- 2026-06-05 [Centier Bank surpasses $3 billion in total assets - nwitimes.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRmJlVGVja3JpNHRTNzgtbUFsRkJ2UUx3ako3NWxZcm12UzFoUFZrMkxGYzNXZW1VV3NiRGRITXRVTzNDZ2J6THFrOXdkMXVMZE96U3R2bWo3al9OS2diWEdQd3BJZW1UWlZqVnB1UXpwenZGSHQ4NDVBaDQ2OTRrRVE2Rl9fZkY4bnItYVd0OA?oc=5) · nwitimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12854 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "12854", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide