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Centier Bank
Whiting, IN·FDIC Cert #12854·Charter: STATE·Est. 18950421.0·HC: FIRST BANCSHARES INC
Total Assets
$9.7B
Q4 2025
Return on Assets
1.67%
-0.01%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
44.38%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.67%-0.01
ROE
17.89%-0.52
Efficiency
44.38%+0.78
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%+0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.37%+0.69
Charge-offs
0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.7 | 1.6 | 1.7 | 1.7 | 1.7 |
| ROE | 19.7 | 19.9 | 19.7 | 19.3 | 17.8 | 18.6 | 18.4 | 17.9 |
| Efficiency | 43.8 | 43.2 | 43.4 | 44.6 | 45.1 | 43.6 | 43.6 | 44.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 95.7 | 94.5 | 95.3 | 101.1 | 98.1 | 96.4 | 96.7 | 97.4 |
Balance Sheet
Total Assets$9.7B
Total Deposits$7.8B
Total Loans$7.6B
Total Equity$982.2M
Profitability
ROA1.67%
ROE17.89%
Efficiency Ratio44.38%
Net Income$161.8M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.02%
Loan/Deposit97.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans