# CENTERA BANK
SUBLETTE, KS · FDIC certificate 16436 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $318.1M | |
| Deposits | $290.5M | |
| Loans and leases | $150.5M | |
| Total equity | $25.3M | |
| Loans / deposits | 51.23% (p6 of band) | 82.04% |
| Liquid assets / assets | 47.89% (p91 of band) | |
| Uninsured deposits / deposits | 29.57% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.59% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -29.32% (p13 of band) | -8.10% |
| AOCI / equity | -3.33% (p3 of band) | |
| ROA (annualized) | 1.63% (p72 of band) | 1.28% |
| Net interest margin | 3.58% (p32 of band) | 3.91% |
| Efficiency ratio | 62.92% (p55 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 10720.00% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 15.98% (p20 of band) | |
| Auto loans | $2.2M (1.48% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | deposits shrinking | charge-offs p90 |
| 2020-06 | 1 | capital falling | deposits shrinking |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 2 |  | NIM <2.5% |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2026-06 | 0 |  | capital falling, securities losses >30% of equity |

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

- 2025-05-12 [Kimberly Fairbank Obituary May 12, 2025 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMibkFVX3lxTE8wYUh3N3RpeUpUVFYydl9ZeE5uRTFYWHpfN3dTWlZRZm5Wa0h1aF91aFhTM25vQUlQaDhaQm9BRmNiV3VyLVpnYXBSUGVsVktKTjVXQkRvZW9MMDFqMzR3MmdUc29oaEpueTRhT3JR?oc=5) · Swaim Funeral Chapels
- 2023-02-09 [Kansas Livestock Association honors longtime members - Farm Progress](https://news.google.com/rss/articles/CBMioAFBVV95cUxPcWxMSEQycS1YaWprbmhTaVhNSVI2LWtaVG43eGUxblg0VHdLTklvazRqRXN0bjFPYVU5bkdJTEQyMjJCM3ktUDNEVXg0RDd4eTJUTW5oTS12QmQ0S2s4cFNXNEoyOUNFX09HMnJXd0N6U1B2TjlmSjRNNjhvTUY5Q1oyR1JsZkdSeDQ3cXdRdS1sN3AzSFFOVHJsVEZkRGNH?oc=5) · Farm Progress
- 2019-03-24 [Bill and Nancy Anton - The Hutchinson News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQllRQjhKQWludVY5N3RUbnFWYUtHR1IzODRjM191NGU0a0haQ0xqUDFkOE1wc1RUOENEUDVTalhSQTg0Tlp3a3N2RGprVHFwRE9uVXF5QzdhNmVTNm9DWjhPekxySEk0TG40WWxLMGhKQUd2WkR1TTRHLXp4VGlfWURzOVRfT0c5WmwxWmJNYkVyS2VucVVET2VZS2dNY1E?oc=5) · The Hutchinson News
- 2026-06-01 [Karol Kaye (Hoskinson) Lies Obituary (2026) - Minneola, KS - Minnis Mortuary - Minneola - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTnIwRmNSbEpQVFlycHlWSXJfb3RYdEsxYWV6ejhpeXI2dlJLX0d2S1pqNExIaUVYQ1FYU2VydThza09rTDY4TGtrcG90TW5SblZoYVVTRVNBV1Q3VlRkbThrNW5mQnZ3cWVtT08xaUpDeEx5c0w4UHhRWm9ScXZiUUR2czNUSEIyYmln?oc=5) · legacy.com
- 2023-11-03 [Joe D. Butcher Obituary Nov 3, 2023 - Swaim Funeral Chapels](https://news.google.com/rss/articles/CBMiZkFVX3lxTE0xNjhOVnJMUWx2Tm5XZi1FaDBMcEt2RWNWWnJlSmF2NWJYMmJ1LXE0ZXNwX2luRVV6QjBmR3VOM01EZUxPUWRHNHdBc0ZZTGViclJTbkVXNlc4QldBbWxrQUUzb2g0UQ?oc=5) · Swaim Funeral Chapels
- 2017-08-10 [Alan Cunningham Obituary (2017) - Dodge City, KS - Ziegler Funeral Chapel - Dodge City - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNUS1yTDlFcVVPUDJmdnhlVldIMEpLMDdLYkp3Sy1ZYzNWZlRtX0plMUtONi16cXVoTmxkZEFMU3p0YnkwMlhLSVBVNHVKLXo3X1ZfVktSdnlvOVJmR014OFNLZl84UHN0aXJLRmJPWThvai01Ri05a2t4a0Ewcy1KYXRNQmRPT0k?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16436 (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/52.json (key "16436", 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