BlastPoint's Banking Scorecard
Centier Bank
Designations: ✓ Community bank
Whiting, IN
63 branches across IN
Centier Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 4.14% below tier average
- + Delinquency Rate 0.32% 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 0.18% below tier average
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
|
-$36.9B |
$47.0B
-1.9% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.7% in tier |
| Total Loans ? |
$7.9B
+7.1% YoY
+3.6% QoQ
|
-$21.4B |
$29.4B
-0.4% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.9% in tier |
| Total Deposits ? |
$8.3B
+10.6% YoY
+6.2% QoQ
|
-$30.1B |
$38.4B
-1.6% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.5% in tier |
| Return on Assets ? |
1.50%
-4.7% YoY
-10.0% QoQ
|
+0.22% |
1.28%
+18.7% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
3.60%
+3.0% YoY
-0.1% QoQ
|
-0.18% |
3.77%
+5.8% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
49.87%
+10.5% YoY
+12.4% QoQ
|
-4.14% |
54.01%
-3.7% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.69%
+413.2% YoY
+102.3% QoQ
|
-0.32% |
1.02%
-3.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
95.02%
-3.2% YoY
-2.4% QoQ
|
+14.23% |
80.79%
+1.9% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
16.90%
-12.0% YoY
-10.0% QoQ
|
-3.14% |
20.04%
+0.2% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.55%
+287.2% YoY
+78.8% QoQ
|
-0.18% |
0.72%
+4.2% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.63%
+6.0% YoY
-1.6% QoQ
|
-2.88% |
15.51%
-0.4% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.16%
+8.8% YoY
-74.6% QoQ
|
-0.07% |
0.22%
+0.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.