CentreBank: how it compares with its peers
Against 14 IN banks with half to twice its assets, CentreBank's strongest measure in Q2 2026 is return on assets (1.86% vs. a 0.79% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $5.9M).
| Measure | CentreBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 0.79% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.92% | 3.52% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.54% | 74.33% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $5.9M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.08% | 76.78% | Context |
What it means for lending operations
Its efficiency ratio of 57.54% is better than the 74.33% 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
- Farmers and Mechanics Federal Savings Bank Bloomfield, IN · $114M
- Spencer County Bank Santa Claus, IN · $131M
- First Federal Savings Bank of Angola Angola, IN · $137M
- First Federal Savings Bank of Washington Washington, IN · $94M
- First Federal Savings and Loan Association of Greensburg Greensburg, IN · $159M
- Community State Bank Brook, IN · $161M
Questions about CentreBank
How big is CentreBank?
CentreBank, established in 1917, is headquartered in Veedersburg, IN. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is CentreBank's return on assets?
1.86% annualized in Q2 2026, against a 0.79% median for 14 IN banks with half to twice its assets, ahead of 100% of them.
What is CentreBank's efficiency ratio?
57.54% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 74.33%, and lower is better.
Is CentreBank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 7.6%.
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 IN 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.