BlastPoint's Banking Scorecard
CentreBank
Micro
Specialty: Commercial
IN
FDIC cert 15532
Designations: ✓ Community bank
Veedersburg, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
CentreBank shows strong momentum with 1 strength and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.5M
+6.6% YoY
-1.6% QoQ
|
-$106.0M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$90.6M
+24.8% YoY
+4.7% QoQ
|
-$48.6M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$91.7M
+5.8% YoY
-2.3% QoQ
|
-$92.0M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.73%
+0.3% YoY
-2.1% QoQ
|
+0.65% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
6.07%
-1.8% YoY
+1.0% QoQ
|
+2.22% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
60.06%
-0.1% YoY
+0.8% QoQ
|
-7.67% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.36%
-53.9% YoY
+8.4% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
98.78%
+17.9% YoY
+7.1% QoQ
|
+24.25% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.67%
+3.3% YoY
-9.0% QoQ
|
+6.28% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.30%
-47.5% YoY
+10.7% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.76%
+15.0% YoY
+43.5% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.07%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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%
Top Strengths
98
98th pctile
Net Interest Margin
Current: 6.07% · Tier avg: 3.85%
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
83
83th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.08%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.67% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 60.06% · Tier avg: 67.73%
51
51th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
39
39th pctile
Total Loans
Current: $90.6M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $111.5M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.7M · Tier avg: $183.7M
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.78% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.78% · Tier avg: 74.53%
26
26th pctile
Total Deposits
Current: $91.7M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.5M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $90.6M · Tier avg: $139.2M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
67
67th pctile
Efficiency Ratio
Current: 60.06% · Tier avg: 67.73%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.67% · Tier avg: 22.39%
83
83th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
98
98th pctile
Net Interest Margin
Current: 6.07% · Tier avg: 3.85%