BlastPoint's Banking Scorecard

Centier Bank

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

Designations: ✓ Community bank

Whiting, IN

63 branches across IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in IN.
Deposits +10.4% year over year ($8.8B on the books).
Delinquency rate 0.83%.
Return on assets 1.57%.
Efficiency ratio 48.18% vs a 53.67% peer average.
Loan-to-deposit ratio 91.17% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (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 0.18% above tier average
+ Efficiency Ratio 5.49% below tier average
+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.5% in tier
- Credit Risk Growth: Bottom 49.1% in tier
- Net Interest Margin 0.35% below tier average

Get updates when Centier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$10.4B +5.9% YoY +3.2% QoQ	-$33.2B	$43.6B -13.8% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	Bottom 4.3% in tier
Total Loans ?	$8.0B +4.3% YoY +1.3% QoQ	-$20.0B	$28.0B -8.6% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	Bottom 12.9% in tier
Total Deposits ?	$8.8B +10.4% YoY +5.6% QoQ	-$26.6B	$35.4B -14.0% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 5.8% in tier
Return on Assets ?	1.57% -6.2% YoY +4.4% QoQ	+0.18%	1.39% +25.9% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.57% +0.9% YoY -0.7% QoQ	-0.35%	3.92% +8.9% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	48.18% +10.5% YoY -3.4% QoQ	-5.49%	53.67% -1.9% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.83% +544.7% YoY +19.6% QoQ	-0.19%	1.01% -2.8% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	91.17% -5.5% YoY -4.1% QoQ	+8.56%	82.61% +3.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	16.39% -9.3% YoY -3.0% QoQ	-4.19%	20.58% +4.9% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.64% +366.7% YoY +17.0% QoQ	-0.09%	0.73% +5.8% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	12.85% +7.7% YoY +1.7% QoQ	-2.50%	15.35% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.31% +4.4% YoY +95.9% QoQ	-0.19%	0.50% +10.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	16.4% -1.7pp YoY -0.5pp QoQ	-4.6pp	21.0%	16.8%	22.2%	25%
Brokered Deposits	10.2% -1.5pp YoY -0.7pp QoQ	+1.0pp	9.2%	7.2%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	9.2% +0.9pp YoY +0.4pp QoQ	-8.0pp	17.2%	11.1%	12.5%	18%
CRE	47.8% -6.1pp YoY -3.2pp QoQ	+5.8pp	42.0%	36.2%	41.4%	59%
1-4 Family	11.9% -0.1pp YoY +0.1pp QoQ	-11.2pp	23.1%	40.0%	31.3%	21%
Consumer	5.9% -0.6pp YoY -0.2pp QoQ	-7.0pp	12.9%	3.2%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	12.8% +0.9pp YoY +0.2pp QoQ	-2.4pp	15.3%	17.5%	19.7%	48%
Leverage Ratio	10.7% +0.7pp YoY -0.1pp QoQ	+0.3pp	10.4%	13.0%	12.6%	66%
Total Capital Ratio	14.0% +1.0pp YoY +0.2pp QoQ	-2.5pp	16.5%	18.7%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	1,138 +79 (+7.5%) YoY +39 (+3.5%) QoQ	-2,120	3,258	237	482	24%
Assets per Employee ($)	$9.1M -1.5% YoY -0.3% QoQ	-$17.9M	$27.0M	$7.5M	$8.8M	23%
Branch Count	63 +3 (+5.0%) YoY +1 (+1.6%) QoQ	-75	137	17	18	41%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	47%
Nonaccrual	0.8% +0.7pp YoY +0.1pp QoQ	+0.1pp	0.7%	0.8%	1.0%	63%
Allowance Coverage	1.49x -83.6% YoY -14.4% QoQ	-1.32x	2.81x	6.71x	20.23x	37%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	-0.3pp	0.4%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	15.7% -2.9pp YoY +0.8pp QoQ	+3.1pp	12.6%	11.2%	11.6%	78%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.3pp	2.0%	1.8%	1.7%	69%
Net Income ($, YTD)	$78.7M -2.4% YoY — QoQ	-$218.1M	$296.8M	$16.3M	$40.4M	21%

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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

#8 of 40 • Bottom 17.5% 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: 91.17%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#30 of 59 • Bottom 49.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 139 peers in $10B-$250B

Top Strengths (2 metrics)

Return on Assets

profitability

Value: 1.57%

Peer Median: 1.39%

#34 of 139 Top 23.7% in $10B-$250B

Efficiency Ratio

profitability

Value: 48.18%

Peer Median: 53.67%

#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (3 metrics)

134

Total Assets

size

Value: $10.41B

Peer Median: $43.60B

#134 of 139 Bottom 4.3% in $10B-$250B

132

Total Deposits

size

Value: $8.79B

Peer Median: $35.42B

#132 of 139 Bottom 5.8% in $10B-$250B

122

Total Loans

size

Value: $8.01B

Peer Median: $27.97B

#122 of 139 Bottom 12.9% in $10B-$250B