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CentreBank

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

Veedersburg, IN

6 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

CentreBank has 4 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

  • + Deposit Franchise: Top 52.9% in tier
  • + ROA 0.07% above tier average
  • + Efficiency Ratio 6.18% below tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 28.7% in tier
  • - Credit Quality Pressure: Bottom 44.6% in tier
  • - Margin Compression: Bottom 51.8% in tier
Get updates when CentreBank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $118.4M
+10.2% YoY +6.2% QoQ
-$267.7M $386.1M
+0.5% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
Bottom 5.4% in tier
Total Loans ? $92.7M
+19.5% YoY +2.3% QoQ
-$163.0M $255.7M
+1.1% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
17%
Total Deposits ? $98.2M
+10.5% YoY +7.1% QoQ
-$229.7M $328.0M
+0.1% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
Bottom 5.0% in tier
Return on Assets ? 1.34%
-18.3% YoY -22.6% QoQ
+0.07% 1.27%
+12.9% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
58%
Net Interest Margin ? 6.04%
+2.9% YoY -0.6% QoQ
+2.11% 3.93%
+6.0% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
Top 1.3% in tier
Efficiency Ratio ? 59.11%
-0.4% YoY -1.6% QoQ
-6.18% 65.29%
-4.5% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
63%
Delinquency Rate ? 0.40%
+647.4% YoY +11.1% QoQ
-0.48% 0.89%
+18.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
50%
Loan-to-Deposit Ratio ? 94.36%
+8.1% YoY -4.5% QoQ
+17.72% 76.64%
+0.8% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
16%
Non-Interest-Bearing Deposit Share ? 28.98%
+3.9% YoY +1.1% QoQ
+6.96% 22.02%
-1.0% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
79%
Nonperforming Asset Ratio ? 0.32%
+449.0% YoY +7.0% QoQ
-0.32% 0.64%
+19.7% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
49%
Tier 1 Capital Ratio ? 17.05%
+0.4% YoY -0.9% QoQ
+1.22% 15.83%
+1.5% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.16%
+2.9% YoY -78.2% QoQ
-0.12% 0.28%
+9.3% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
78%

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 (1)

Deposit Franchise

growth
#145 of 272 • Top 52.9% 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: 28.98%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 6.04%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#213 of 739 • Bottom 28.7% 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: 17.05%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 94.36%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#585 of 1308 • Bottom 44.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

Margin Compression

decline
#159 of 305 • Bottom 51.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.34%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

35
Net Interest Margin
profitability
Value: 6.04%
Peer Median: 3.93%
#35 of 2664 Top 1.3% in $100M-$1B
554
Non-Interest-Bearing Deposit Share
funding
Value: 28.98%
Peer Median: 22.02%
#554 of 2664 Top 20.8% in $100M-$1B
586
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#586 of 2664 Top 22.0% in $100M-$1B
610
Tier 1 Capital Ratio
capital
Value: 17.05%
Peer Median: 15.83%
#610 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2532
Total Deposits
size
Value: $98.23M
Peer Median: $327.97M
#2532 of 2664 Bottom 5.0% in $100M-$1B
2521
Total Assets
size
Value: $118.42M
Peer Median: $386.08M
#2521 of 2664 Bottom 5.4% in $100M-$1B
2240
Loan-to-Deposit Ratio
liquidity
Value: 94.36%
Peer Median: 76.64%
#2240 of 2664 Bottom 16.0% in $100M-$1B
2217
Total Loans
size
Value: $92.68M
Peer Median: $255.72M
#2217 of 2664 Bottom 16.8% in $100M-$1B
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