Centier Bank
Whiting, IN
IDRSSD: 783648
Total Assets
$9.66B
Latest filing
Total Deposits
$7.84B
Latest filing
Net Interest Margin
3.65%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Centier Bank
1500 119th St
Whiting, IN 46394
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/21/1895FDIC Certificate 8136
Branches (60)
Page 1 of 9| Name | Address | City / State |
|---|---|---|
| Centier Bank (Main) | 1500 119th St | Whiting, IN |
| LOWELL BRANCH | 1914 E Commercial Ave | Lowell, IN |
| MERRILLVILLE BRANCH | 8310 Broadway | Merrillville, IN |
| CROWN POINT NORTH BRANCH | 1276 N Main St | Crown Point, IN |
| WINFIELD BRANCH | 8020 E 109th Ave | Crown Point, IN |
| HIGHLAND BRANCH | 9701 Indianapolis Blvd | Highland, IN |
| DYER BRANCH | 1121 Sheffield Ave | Dyer, IN |
| SCHERERVILLE EAST BRANCH | 5191 W Lincoln Hwy | Crown Point, IN |
Showing 7 of 60
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 | 04/21/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46394 |
| State and County Number | 18089 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 1,062 |
| Domestic Offices | 61 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.centier.com |
| Data Updated | 01/30/2026 |
| CERT | 12854 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $9.66B |
| Total Deposits | $7.84B |
| Total Liabilities | $8.68B |
| Total Equity Capital | $982.19M |
| Net Income | $39.63M |
| Net Loans and Leases | $7.64B |
| Assets Per Employee ($Millions) | $9.02M |
| Bank Premises and Fixed Assets | $68.02M |
| Cash and Balances due from Depository Institutions | $195.46M |
| Deposits Held in Domestic Offices | $7.84B |
Key Performance Ratios
| Return on Assets (ROA) | 1.62% |
| Return on Equity (ROE) | 16.46% |
| Net Interest Margin | 3.65% |
| Efficiency Ratio | 46.65% |
| Tier 1 Risk-Based Capital Ratio | 12.843% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.164% |
| Earning Assets to total Assets | 94.7% |
Income and Expense
| Total Interest Income | $141.14M |
| Total Noninterest Income | $15.52M |
| Total Interest Expense | $56.63M |
| Total Noninterest Expense | $46.66M |
| Net Interest Income | $84.50M |
| Pre-tax Net Operating Income | $49.97M |
| Provision for Credit Losses | $3.40M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.35M |
| Other borrowed funds | $640.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $75.00M |
| All Other Liabilities | $124.87M |
| Total Liabilities and Capital | $9.66B |
Securities
| Securities | $1.38B |
| Available-for-sale debt securities | $1.38B |
| 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 Centier Bank?
$9.66B as of the latest filing.
How much are Centier Bank's total deposits?
$7.84B in total deposits.
Where is Centier Bank located?
Whiting, IN.
What is the Net Interest Margin?
3.65%.
How many domestic offices does it operate?
61.
When was it established?
04/21/1895.
What is the Return on Assets (ROA)?
1.62%.
How much are total loans and leases?
$7.64B (latest filing).
What is the total interest income (latest filing)?
$141.14M.