BlastPoint's Banking Scorecard

Centier Bank

$10B-$250B Specialty: Commercial IN FDIC cert 12854

Designations: ✓ Community bank

Whiting, IN

63 branches across IN

135 banks in the $10B-$250B peer group nationally 4 in IN

Centier Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.21% above tier average
+ Efficiency Ratio 4.03% below tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.2% in tier
- NIB Deposit Bleed: Bottom 50.0% in tier
- Net Interest Margin 0.17% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$10.1B +6.5% YoY +4.4% QoQ	-$37.3B	$47.4B -2.0% YoY	$2.5B +12.1% YoY	$6.2B +9.0% YoY	Bottom 0.7% in tier
Total Loans ?	$7.9B +7.1% YoY +3.6% QoQ	-$21.7B	$29.6B -0.4% YoY	$1.8B +14.1% YoY	$3.2B +10.7% YoY	Bottom 10.4% in tier
Total Deposits ?	$8.3B +10.6% YoY +6.2% QoQ	-$30.4B	$38.7B -1.6% YoY	$2.0B +11.7% YoY	$4.8B +8.0% YoY	Bottom 1.5% in tier
Return on Assets ?	1.50% -4.7% YoY -10.0% QoQ	+0.21%	1.28% +19.3% YoY	0.88% -9.0% YoY	1.24% +13.1% YoY	76%
Net Interest Margin ?	3.60% +3.0% YoY -0.1% QoQ	-0.17%	3.77% +5.6% YoY	3.62% +8.1% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	49.87% +10.5% YoY +12.4% QoQ	-4.03%	53.90% -4.0% YoY	103.85% +48.1% YoY	66.84% -3.8% YoY	69%
Delinquency Rate ?	0.69% +413.2% YoY +102.3% QoQ	-0.33%	1.02% -4.1% YoY	0.84% +20.9% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	95.02% -3.2% YoY -2.4% QoQ	+14.14%	80.88% +2.0% YoY	80.90% +0.8% YoY	76.69% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	16.90% -12.0% YoY -10.0% QoQ	-2.93%	19.82% +0.3% YoY	17.23% -0.8% YoY	22.01% -1.1% YoY	33%
Nonperforming Asset Ratio ?	0.55% +287.2% YoY +78.8% QoQ	-0.18%	0.73% +4.0% YoY	0.62% +28.0% YoY	0.66% +19.3% YoY	44%
Tier 1 Capital Ratio ?	12.63% +6.0% YoY -1.6% QoQ	-2.93%	15.56% -0.1% YoY	16.21% +1.8% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.16% +8.8% YoY -74.6% QoQ	-0.07%	0.23% +0.9% YoY	0.81% -14.6% YoY	0.32% +4.0% YoY	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#18 of 36 • Bottom 47.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.02%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#3 of 4 • Bottom 50.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.90%

(Tier: 19.82%, National: 22.01%)

worse than tier avg

4 of 4 Large banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (1 metrics)

Return on Assets

profitability

Value: 1.50%

Peer Median: 1.28%

#34 of 135 Top 24.4% in $10B-$250B

Top Weaknesses (4 metrics)

135

Total Assets

size

Value: $10.08B

Peer Median: $47.36B

#135 of 135 Bottom 0.7% in $10B-$250B

134

Total Deposits

size

Value: $8.32B

Peer Median: $38.75B

#134 of 135 Bottom 1.5% in $10B-$250B

122

Total Loans

size

Value: $7.91B

Peer Median: $29.62B

#122 of 135 Bottom 10.4% in $10B-$250B

114

Loan-to-Deposit Ratio

liquidity

Value: 95.02%

Peer Median: 80.88%

#114 of 135 Bottom 16.3% in $10B-$250B