Centier Bank: how it compares with its peers
Against 182 U.S. banks with half to twice its assets, Centier Bank's strongest measure in Q2 2026 is efficiency ratio (48.18% vs. a 55.05% peer median). Its weakest relative measure is assets per employee ($9.1M vs. $10.2M).
| Measure | Centier Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.30% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.65% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.18% | 55.05% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $10.2M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.17% | 87.93% | Context |
What it means for lending operations
Its efficiency ratio of 48.18% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Amarillo National Bank Amarillo, TX · $10.38B
- Stock Yards Bank & Trust Company Louisville, KY · $10.36B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
- Washington Trust Bank Spokane, WA · $10.54B
- Amerant Bank, National Association Coral Gables, FL · $10.27B
Questions about Centier Bank
How big is Centier Bank?
Centier Bank, established in 1895, is headquartered in Whiting, IN. It reported $10.41B in total assets in its Q2 2026 FDIC call report and operates 63 offices.
What is Centier Bank's return on assets?
1.57% annualized in Q2 2026, against a 1.30% median for 182 U.S. banks with half to twice its assets, ahead of 70% of them.
What is Centier Bank's efficiency ratio?
48.18% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is Centier Bank growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 10.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.