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CentreBank

$100M-$1B Specialty: Agricultural IN FDIC cert 15532

Veedersburg, IN

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
  • Deposits +7.6% year over year ($99.1M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.86%.
  • Efficiency ratio 57.54% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.08% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

CentreBank has 5 strengths but faces 2 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

  • + Revenue Diversifier: Top 45.2% in tier
  • + Deposit Franchise: Top 45.3% in tier
  • + ROA 0.54% above tier average
  • + Efficiency Ratio 6.94% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 30.0% in tier
  • - Liquidity Overhang: Bottom 35.2% in tier
Get updates when CentreBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $120.0M
+8.1% YoY +1.3% QoQ
-$266.6M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Bottom 5.7% in tier
Total Loans ? $90.2M
+7.1% YoY -2.6% QoQ
-$168.1M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Bottom 14.9% in tier
Total Deposits ? $99.1M
+7.6% YoY +0.9% QoQ
-$227.7M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Bottom 5.2% in tier
Return on Assets ? 1.86%
+3.7% YoY +38.7% QoQ
+0.54% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 5.92%
-0.8% YoY -1.9% QoQ
+1.93% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Top 1.7% in tier
Efficiency Ratio ? 57.54%
+0.2% YoY -2.7% QoQ
-6.94% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.33%
-44.9% YoY -17.3% QoQ
-0.58% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 91.08%
-0.4% YoY -3.5% QoQ
+13.13% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 30.43%
+7.5% YoY +5.0% QoQ
+8.40% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.25%
-45.5% YoY -20.5% QoQ
-0.42% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 17.16%
+0.8% YoY +0.6% QoQ
+1.25% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.40%
+13.2% YoY +140.9% QoQ
-0.17% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
85%

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 30.4%
+2.1pp YoY
+1.4pp QoQ
 +8.3pp 22.1% 16.8% 22.2% 83%
Brokered Deposits 1.1%
0.0pp QoQ
 -6.7pp 7.9% 7.2% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 18.1%
+0.3pp YoY
+1.3pp QoQ
 +6.5pp 11.6% 11.1% 12.5% 84%
CRE 22.4%
-3.6pp QoQ
 -17.2pp 39.5% 36.2% 41.4% 22%
1-4 Family 30.5%
+1.3pp YoY
+0.9pp QoQ
 -2.1pp 32.6% 40.0% 31.3% 52%
Consumer 4.4%
-1.0pp YoY
-0.1pp QoQ
 +0.3pp 4.1% 3.2% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.5% 19.7% n/a
Leverage Ratio 17.2%
+0.1pp YoY
+0.1pp QoQ
 +5.0pp 12.2% 13.0% 12.6% 93%
Total Capital Ratio n/a n/a 19.9% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 26
-2 (-7.1%) YoY
0 QoQ
 -33 58 237 482 21%
Assets per Employee ($) $4.6M
+16.5% YoY
+1.3% QoQ
 -$2.9M $7.5M $7.5M $8.8M 9%
Branch Count 6
0 YoY
0 QoQ
 +1 4 17 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.2pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.2% 0.4% 75%
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 5%
Allowance Coverage 4.40x
+78.3% YoY
+16.8% QoQ
 -19.75x 24.15x 6.71x 20.23x 67%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.4pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 10.9%
+0.2pp YoY
+3.0pp QoQ
 -1.3pp 12.2% 11.2% 11.6% 42%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 14%
Net Income ($, YTD) $1.1M
+12.3% YoY
— QoQ
 -$1.5M $2.6M $16.3M $40.4M 29%

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 (2)

Revenue Diversifier

growth
#300 of 661 • Top 45.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.40%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.86%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#127 of 278 • Top 45.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.43%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.92%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#208 of 691 • Bottom 30.0% 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: 91.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#262 of 742 • Bottom 35.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.16%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

45
Net Interest Margin
profitability
Value: 5.92%
Peer Median: 3.99%
#45 of 2643 Top 1.7% in $100M-$1B
403
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#403 of 2643 Top 15.2% in $100M-$1B
445
Non-Interest-Bearing Deposit Share
funding
Value: 30.43%
Peer Median: 22.03%
#445 of 2643 Top 16.8% in $100M-$1B
449
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.32%
#449 of 2643 Top 17.0% in $100M-$1B
595
Tier 1 Capital Ratio
capital
Value: 17.16%
Peer Median: 15.91%
#595 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (4 metrics)

2506
Total Deposits
size
Value: $99.07M
Peer Median: $326.73M
#2506 of 2643 Bottom 5.2% in $100M-$1B
2494
Total Assets
size
Value: $119.98M
Peer Median: $386.57M
#2494 of 2643 Bottom 5.7% in $100M-$1B
2249
Total Loans
size
Value: $90.23M
Peer Median: $258.35M
#2249 of 2643 Bottom 14.9% in $100M-$1B
2012
Loan-to-Deposit Ratio
liquidity
Value: 91.08%
Peer Median: 77.95%
#2012 of 2643 Bottom 23.9% in $100M-$1B
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