# CENTRIC BANK
HARRISBURG, PA · FDIC certificate 7461 · asset band $1-10B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $1.08B | |
| Deposits | $904.8M | |
| Loans and leases | $976.8M | |
| Total equity | $121.2M | |
| Loans / deposits | 106.32% (p93 of band) | 82.70% |
| Liquid assets / assets | 7.46% (p2 of band) | |
| Uninsured deposits / deposits | 50.60% (p87 of band) | 32.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.30% (p39 of band) | |
| FHLB advances / assets | 3.80% | |
| Tier 1 leverage | 11.68% (p81 of band) | 9.80% |
| Unrealized securities loss / equity | -5.49% (p86 of band) | -22.81% |
| AOCI / equity | -1.00% (p90 of band) | |
| ROA (annualized) | 1.14% (p47 of band) | 1.17% |
| Net interest margin | 4.28% (p91 of band) | 3.41% |
| Efficiency ratio | 61.59% (p59 of band) | |
| Noncurrent loans | 1.43% (p94 of band) | 0.26% |
| Net charge-offs (annualized) | 0.07% (p82 of band) | |
| Reserve coverage of noncurrent | 105.61% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 84.81% (p71 of band) | |
| Auto loans | $545,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 11.0% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)
- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 3 |  | brokered >10%, capital falling |
| 2018-09 | 1 |  | liquid assets <10%, wholesale funding >15% |
| 2018-12 | 2 | liquid assets <10% |  |
| 2019-03 | 1 |  | liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 | reserve under noncurrent | capital falling |
| 2020-03 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2020-06 | 4 | brokered >10%, liquid assets <10% |  |
| 2020-09 | 6 | capital falling, reserve under noncurrent |  |
| 2020-12 | 4 |  | liquid assets <10%, capital falling |
| 2021-03 | 5 | liquid assets <10% |  |
| 2021-06 | 3 | noncurrent p90 | wholesale funding >15%, brokered >10%, liquid assets <10% |
| 2021-09 | 4 | wholesale funding >15%, charge-offs p90 | loans exceed deposits |
| 2021-12 | 6 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking | noncurrent p90, wholesale funding >15% |
| 2022-03 | 5 | uninsured deposits >50%, run vulnerability, noncurrent p90 | reserve under noncurrent, charge-offs p90, loans exceed deposits, liquid assets <10% |
| 2022-06 | 6 | loans exceed deposits |  |
| 2022-09 | 7 | liquid assets <10% |  |
| 2022-12 | 5 |  | deposits shrinking, assets shrinking |

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

- 2022-08-31 [First Commonwealth buying Pennsylvania rival Centric for $144 million - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxOb3VXLU5GN2FCc3hWb2djTjRsdmVUZ0VlSi05eXBfQXVXalpWUkRGcUpZQzJob3NTSGJ2MGZ1dmlDNFhodVdqN0xoUkpRY3RuSUQtRFZhUDJTbV8yei1vUmM1YzU3cXlVaXNnMjRYYVJ3VU1IM00xQW9vbFAtUGRCbXRDNS0ydWttdDhWVTI2VkJSc0xKZlpubnJsRlFJcGRRRUJRdGR0MTNyaWY2dXpFaQ?oc=5) · American Banker
- 2022-09-01 [Centric Bank to merge into larger financial institution - PennLive.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQQTdfZnJPbXFvOTRvLVFNTnhYWEtPcUJrc1oxZVFhTERGcUFhYUxOdjFrSWEwSlNVYm4teTNyNTZqZGVXYndaSVpRZlZWelQySURlbWMxbVFLa3VxeHhBMmNyVzFtc2ZrdFBvV2l4bFFOdUxlYkwxcENVQ1BaYk5GUHFvVnF4aVFxck91YzRBR2w4MTlvbFBZaldIVC1WbXPSAbMBQVVfeXFMUHhEVC02OTd3Z0Y0QzFtV2hlQXJiNm4yUXVtNmlSN3psR1NqRW14b24zeW1DR1dGaXIyTjZCUklRRHRmTC1pNi1lT2p6SHJYVjc5cm1vUWRkOWF6d1hwWHR1QWtzb3BoSnRleXVoOHhmVkR0eUtmOUxZQkNSdFJPTlBGS0o3akhtZUZXQ1FKU1BYOWlRRFpNSkRyMWFhckN5X1B6TmQwekQ5QmxZY2lHeS03S1E?oc=5) · PennLive.com
- 2022-10-05 [Centric Financial Corporation President and CEO Patti Husic Honored as One of American Banker's Most Powerful Women to Watch - PR Newswire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxNZE80R0FZZWJLUVRVZmRhM3BzaGd1Z2RFOHFEdXpzQU9sYnhyZHdnT2FmeS13d1NyMENpall2MVlvbXpYV2VNWndhTFFtS0pCM3JpR2RPX2g3a1Rtbzlxb0VuRlAwTzRPbTF0ci1BWlJNS0x0VUZIVUNtdDJadGxzeDczMTFQRV9Ob0FkQW5FYzhxX0wtLUM5Z296Q29EN3hhWFU4R0tQOFNsWENNNkcxcWp6TWhmR2FzcUVIVFcyeGpBMGJiY3J2d1ZPQWNoTjJoMGtzUW5XcTlCUlpTRzJjeUVtQU00Y19Hc1F5ZnRfdnd5VUNZYWYxVFhkaVJVb21SN3hZbVR0dkR2Y0U?oc=5) · PR Newswire
- 2023-02-01 [Centric Financial Corporation Acquired By First Commonwealth - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdGlfMFRlYmExQjRKRElfbkRJbE1zXzN6SHlvWjRJSFlvaGJETFFWVklJcldqMTZHX2x6dmRjYzNoRjMtUUhGQUd0NTJKRERqT0loaVhvc3ZLNWZGbno4b1VYb2RvcWNXU2FMNklTNWljZHp3UnFMaUJvdFh2alZrRXB5b3d1MGxVNllJc0puRUhYdVhES2xGSUY2LWZaS2RP?oc=5) · Patch
- 2017-04-14 [Patricia Husic - Bond Buyer](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5FdVVfSGk1MmJHVGY0TzBsNmVfYWMzY2xzYTE2NHg5TGJLNFNjd18yeENKZ3owbWRlbFlWYlMxZnFmZ3U0b01MS3Nhd25sWTA2Mzgyb1NMNFMwLTQ?oc=5) · Bond Buyer
- 2021-04-09 [Centric Bank Promotes Kimberly L. Turner to Executive Vice President Chief Risk Officer - Reading Eagle](https://news.google.com/rss/articles/CBMixgFBVV95cUxOZE0xRlNFS2g4bFltQ211NkxDczNWc0NKYnN2blJmTC01bEc5ZGl0Qi0xMzNMMnc4QVlUeVM2d2E4Sk4xeDlnOGZCbVhhaUZFMVlyeHdjWXY0Y0VyVlpFUkN4N0Q0cE9ObFRoeHpGeUdkb3pwX0h2U1hnamZvVHV6dkdHSWdjRHdBT1BWOVN0U2RkNkQ1QmdWbUxfNVVEX1Z1OWw0d0hMNzhmQTBSLWJ6bmtiU3h1N3VlX3J3aW1UbHVuZGcwa1E?oc=5) · Reading Eagle
- 2021-05-07 [Centric Bank Promotes Christine Pavlakovich to Executive Vice President Chief Human Resources Officer - thereporteronline](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNalR0cjk5YzQxUURjN3Y0UzNIU0lXWEpSSEhLNGxXNXVVMHZEdVI4UWZsR3JObnNFMlVwNDZvLTdwLUNQc3hHZF8xS1N6UEtfMFFKNkZobTdXSWlSYm9LWkpqbFp0d2k2NE5BY005R3VNMDl1MXZEN2RUa0EtbHZyZVIxSkswb3g2TVB6ZV9HLS1reFRTak51SFotNnNUQjZrTWpiTTJtREVOUTVjU3MyeGFSZzl0b2pyLURkSHRabnRZUHdXUVZyeU95OE1MV3VoYXRvdzNBV1hzdEtZS3R4dE9SNA?oc=5) · thereporteronline
- 2022-01-06 [Centric Bank’s Patti Husic had many plans for her future, banking wasn’t one of them. - Central Penn Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxOLWRESUY3RGwwVV9GODlqd290ajJXZmdiT3l0dUtTdkQ5OW9vNUU0OElWWklpR0hDbzBhOE1jUmFFSTQ1OUt0Y1ozaktsTXU4VC01cnJmTTV1ZGRiOVU4WUtJa2JJbGVWbWJLWEU1aGFidkFaU1lKNmFnX0t2NXNiUi1LX2Y3bVFhcXphY3pnV1owR1hwb3M2ZWdYdEJycENVbjdKcE9n?oc=5) · Central Penn Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7461 (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/37.json (key "7461", 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