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Centier Bank

Whiting, IN
IDRSSD: 783648
Total Assets
$9.92B
Latest filing
Total Deposits
$8.07B
Latest filing
Net Interest Margin
3.64%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/21/1895
Community BankYes
Ownership TypeNot Mutual
ZIP46394
State and County Number18089
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameChicago-Naperville-Elgin, IL-IN-WI

Operational Info

Number of Employees1,059
Domestic Offices60
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.centier.com
Data Updated11/14/2025
CERT12854
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$9.92B
Total Deposits$8.07B
Total Liabilities$8.97B
Total Equity Capital$944.21M
Net Income$41.55M
Net Loans and Leases$7.80B
Assets Per Employee ($Millions)$9.34M
Bank Premises and Fixed Assets$66.74M
Cash and Balances due from Depository Institutions$215.86M
Deposits Held in Domestic Offices$8.07B

Key Performance Ratios

Return on Assets (ROA)1.68%
Return on Equity (ROE)18%
Net Interest Margin3.64%
Efficiency Ratio43.62%
Tier 1 Risk-Based Capital Ratio12.121%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.15%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.52%
Earning Assets to total Assets94.66%

Income and Expense

Total Interest Income$145.27M
Total Noninterest Income$15.39M
Total Interest Expense$60.38M
Total Noninterest Expense$43.75M
Net Interest Income$84.89M
Pre-tax Net Operating Income$52.94M
Provision for Credit Losses$3.60M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$3.41M
Other borrowed funds$665.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$90.00M
All Other Liabilities$148.44M
Total Liabilities and Capital$9.92B

Securities

Securities$1.43B
Available-for-sale debt securities$1.43B
Equity securities with readily determinable fair values not held for trading$0
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?
$9.92B as of the latest filing.
How much are Centier Bank's total deposits?
$8.07B in total deposits.
Where is Centier Bank located?
Whiting, IN.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
60.
When was it established?
04/21/1895.
What is the Return on Assets (ROA)?
1.68%.
How much are total loans and leases?
$7.80B (latest filing).
What is the total interest income (latest filing)?
$145.27M.