BlastPoint's Banking Scorecard

Centier Bank

Mid-Market Specialty: Commercial IN FDIC cert 12854

Designations: ✓ Community bank

Whiting, IN

201 banks in Mid-Market tier nationally 10 in IN

View Mid-Market leaderboard (IN) →

Centier Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20% in Mid-Market

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$9.7B -0.3% YoY -2.6% QoQ	-$793.4M	$10.5B +2.9% YoY	$2.4B +12.3% YoY	$5.9B +6.5% YoY	63%
Total Loans ?	$7.6B -0.4% YoY -2.1% QoQ	+$503.7M	$7.1B +4.5% YoY	$1.7B +13.4% YoY	$3.1B +8.5% YoY	70%
Total Deposits ?	$7.8B +3.5% YoY -2.8% QoQ	-$698.1M	$8.5B +3.0% YoY	$1.9B +12.7% YoY	$4.7B +6.3% YoY	61%
Return on Assets ?	1.67% -0.0% YoY -0.5% QoQ	+0.50%	1.16% +9.4% YoY	1.01% +19.7% YoY	1.12% +15.6% YoY	83%
Net Interest Margin ?	3.60% -1.0% YoY +0.8% QoQ	+0.21%	3.40% +7.9% YoY	3.50% +10.2% YoY	3.75% +7.1% YoY	55%
Efficiency Ratio ?	44.38% -0.5% YoY +1.8% QoQ	-12.23%	56.60% -3.2% YoY	67.50% -4.6% YoY	65.09% -5.1% YoY	Top 14% in tier
Delinquency Rate ?	0.34% +226.7% YoY +233.7% QoQ	-0.34%	0.68% +12.0% YoY	0.77% +9.8% YoY	0.66% +20.3% YoY	73%
Loan-to-Deposit Ratio ?	97.37% -3.7% YoY +0.7% QoQ	+11.90%	85.47% +1.1% YoY	82.11% +1.7% YoY	78.04% +0.7% YoY	16%
Non-Interest-Bearing Deposit Share ?	18.77% -2.7% YoY +4.8% QoQ	-1.86%	20.64% -0.3% YoY	16.86% -1.9% YoY	21.79% -1.3% YoY	36%
Nonperforming Asset Ratio ?	0.31% +159.2% YoY +165.1% QoQ	-0.19%	0.50% +7.3% YoY	0.58% +19.3% YoY	0.48% +20.8% YoY	66%
Tier 1 Capital Ratio ?	12.84% +14.9% YoY +6.0% QoQ	-0.71%	13.55% +1.8% YoY	9.17% +0.4% YoY	9.75% -1.9% YoY	47%
Non-Interest Income / Assets ?	0.62% +6.8% YoY +38.3% QoQ	-0.33%	0.96% +7.1% YoY	0.62% -11.1% YoY	0.65% +0.6% YoY	41%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Strain

risk

#17 of 80 · Bottom 20% in Mid-Market

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.37%

(Tier: 85.47%, National: 78.04%)

worse than tier avg

80 of 80 Mid-Market banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 201 peers in Mid-Market tier

Top Strengths

Efficiency Ratio

Current: 44.38% · Tier avg: 56.60%

86th pctile

Return on Assets

Current: 1.67% · Tier avg: 1.16%

83th pctile

Delinquency Rate

Current: 0.34% · Tier avg: 0.68%

73th pctile

Total Loans

Current: $7.6B · Tier avg: $7.1B

70th pctile

Nonperforming Asset Ratio

Current: 0.31% · Tier avg: 0.50%

66th pctile

Total Assets

Current: $9.7B · Tier avg: $10.5B

63th pctile

Total Deposits

Current: $7.8B · Tier avg: $8.5B

61th pctile

Net Interest Margin

Current: 3.60% · Tier avg: 3.40%

55th pctile

Tier 1 Capital Ratio

Current: 12.84% · Tier avg: 13.55%

47th pctile

Non-Interest Income / Assets

Current: 0.62% · Tier avg: 0.96%

41th pctile

Non-Interest-Bearing Deposit Share

Current: 18.77% · Tier avg: 20.64%

36th pctile

Loan-to-Deposit Ratio

Current: 97.37% · Tier avg: 85.47%

16th pctile

Top Weaknesses