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Centera Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 16436

Sublette, KS

6 branches across KS

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 117 in KS.
  • Deposits -2.6% year over year ($290.5M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.63%.
  • Efficiency ratio 62.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.23% 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 117 in KS
View $100M-$1B leaderboard (KS) →

Centera 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

  • + Credit Quality Leader: Top 22.5% in tier
  • + ROA 0.31% above tier average
  • + Efficiency Ratio 1.56% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.0% in tier
  • - Deposit Outflow: Bottom 49.9% in tier
  • - Net Interest Margin 0.41% below tier average
Get updates when Centera Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $318.1M
-1.5% YoY -3.1% QoQ
-$68.5M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $148.9M
-0.9% YoY +0.4% QoQ
-$109.5M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $290.5M
-2.6% YoY -3.7% QoQ
-$36.2M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 1.63%
+46.0% YoY +6.5% QoQ
+0.31% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.58%
+12.4% YoY +4.5% QoQ
-0.41% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 62.92%
-7.9% YoY -3.3% QoQ
-1.56% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.01%
+16.4% YoY -75.1% QoQ
-0.91% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 14.4% in tier
Loan-to-Deposit Ratio ? 51.23%
+1.8% YoY +4.3% QoQ
-26.72% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 9.1% in tier
Non-Interest-Bearing Deposit Share ? 23.37%
+1.6% YoY -9.2% QoQ
+1.34% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.00%
+17.1% YoY -74.2% QoQ
-0.66% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 12.3% in tier
Tier 1 Capital Ratio ? 16.52%
+4.5% YoY +1.3% QoQ
+0.61% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.23%
-4.0% YoY +146.9% QoQ
-0.34% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
58%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 23.4%
+0.4pp YoY
-2.4pp QoQ
 +1.2pp 22.1% 22.3% 22.2% 60%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 12.1%
+2.5pp YoY
+1.7pp QoQ
 +0.6pp 11.6% 12.6% 12.5% 64%
CRE 18.2%
-0.2pp YoY
-0.8pp QoQ
 -21.4pp 39.5% 28.8% 41.4% 15%
1-4 Family 13.0%
+1.0pp YoY
-0.1pp QoQ
 -19.7pp 32.6% 26.7% 31.3% 16%
Consumer 2.7%
+0.1pp YoY
0.0pp QoQ
 -1.4pp 4.1% 4.6% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 16.5%
+0.7pp YoY
+0.2pp QoQ
 -2.3pp 18.8% 23.3% 19.7% 61%
Leverage Ratio 9.6%
+0.4pp YoY
+0.4pp QoQ
 -2.6pp 12.2% 12.6% 12.6% 23%
Total Capital Ratio 17.4%
+0.7pp YoY
+0.2pp QoQ
 -2.5pp 19.9% 24.4% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 49
-1 (-2.0%) YoY
+4 (+8.9%) QoQ
 -10 58 70 482 52%
Assets per Employee ($) $6.5M
+0.5% YoY
-11.0% QoQ
 -$1.0M $7.5M $7.1M $8.8M 42%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 3%
Allowance Coverage 107.20x
-15.5% YoY
+297.0% QoQ
 +83.05x 24.15x 22.44x 20.23x 97%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 21.1%
+3.3pp YoY
+1.0pp QoQ
 +8.9pp 12.2% 14.3% 11.6% 90%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $2.6M
+45.9% YoY
— QoQ
 +$75K $2.6M $3.7M $40.4M 64%

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)

Credit Quality Leader

growth
#149 of 659 • Top 22.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#14 of 1256 • Bottom 1.0% in tier

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

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#268 of 535 • Bottom 49.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (3 metrics)

241
Loan-to-Deposit Ratio
liquidity
Value: 51.23%
Peer Median: 77.95%
#241 of 2643 Top 9.1% in $100M-$1B
326
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#326 of 2643 Top 12.3% in $100M-$1B
379
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#379 of 2633 Top 14.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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