CenterBank
Milford, OH
IDRSSD: 2887399
Total Assets
$341.29M
Latest filing
Total Deposits
$280.36M
Latest filing
Net Interest Margin
3.63%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/15/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45150 |
| State and County Number | 39025 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/30/2025 |
| Date of Deposit Insurance | 03/15/2000 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 35117 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $341.29M |
| Total Deposits | $280.36M |
| Total Liabilities | $304.51M |
| Total Equity Capital | $36.77M |
| Net Income | $796.00k |
| Net Loans and Leases | $302.49M |
| Assets Per Employee ($Millions) | $8.98M |
| Bank Premises and Fixed Assets | $3.17M |
| Cash and Balances due from Depository Institutions | $3.95M |
| Deposits Held in Domestic Offices | $280.36M |
Key Performance Ratios
| Return on Assets (ROA) | 0.93% |
| Return on Equity (ROE) | 8.72% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 65.89% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.775% |
| Earning Assets to total Assets | 95.62% |
Income and Expense
| Total Interest Income | $5.15M |
| Total Noninterest Income | $288.00k |
| Total Interest Expense | $2.18M |
| Total Noninterest Expense | $2.15M |
| Net Interest Income | $2.98M |
| Pre-tax Net Operating Income | $1.01M |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $21.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.75M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.66M |
| Total Liabilities and Capital | $341.29M |
Securities
| Securities | $21.79M |
| Available-for-sale debt securities | $21.79M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CenterBank?
$341.29M as of the latest filing.
How much are CenterBank's total deposits?
$280.36M in total deposits.
Where is CenterBank located?
Milford, OH.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
3.
When was it established?
03/15/2000.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$302.49M (latest filing).
What is the total interest income (latest filing)?
$5.15M.