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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

Centier Bank

Whiting, Indiana · $10.41B in assets · beside the 11 other the Great Lakes states banks over $10B (the state alone holds too few in the band to rank)

The filing

39.3%
CRE / loans
12th of 12
264.8%
CRE / capital
12th of 12
9.9%
Equity / assets
11th of 12

Centier Bank is the smallest of the 12 the Great Lakes states banks nearest its size over $10B, with $10.41B in assets at 30 June 2026. Loans are 92.3% of deposits, 9th of 12 against a median of 89.7%, and equity is 9.9% of assets, 11th of 12. Loans grew +4.4% in the year, 9th of 12, and deposits grew 10.4%; the cohort's median loan growth is +15.1%.

Noncurrent loans are 0.82% of the book, 7th of 12 against a median of 0.76%; 0.44% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 39.3% of loans, the highest in the cohort against a median of 28.7%, and 265% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.53%, 4th of 12 against a median of 1.43%, on an efficiency ratio of 48.2%, 3rd of 12. Five years ago it was 1.36%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.9% of loans).

Commercial real estate, share of loansGreat Lakes states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 28.7% TF Third Federal Savings & Loan Association of Cleveland 0.0% NT Northern Trust Co. 12.3% AB Associated Bank N.A. 24.7% FM First Merchants Bank 26.6% FF First Financial Bank 28.4% NN Nicolet National Bank 28.6% PN Park National Bank 28.8% CB CIBC Bank USA 32.3% ON Old National Bank 33.6% MB Merchants Bank of Indiana 34.8% BB Busey Bank 38.2% CB Centier Bank 39.3%
Loans, year over yearGreat Lakes states banks over $10B · 30 June 2026 · no better direction, largest first
median +15.1% NN Nicolet National Bank +64.5% PN Park National Bank +22.2% AB Associated Bank N.A. +19.1% FM First Merchants Bank +17.1% FF First Financial Bank +16.6% MB Merchants Bank of Indiana +15.5% CB CIBC Bank USA +14.6% ON Old National Bank +5.9% CB Centier Bank +4.4% TF Third Federal Savings & Loan Association of Cleveland +3.6% NT Northern Trust Co. +1.2% BB Busey Bank -4.5%

SBA 7(a), FY2008 to FY2026

Centier Bank is the 14th largest 7(a) lender into Indiana of 351, with $143M across 660 loans, 1.8% of everything approved in the state (The Huntington National Bank leads with $911M). 8 of its 35 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Indiana, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lake, IN$42M1st of 979.7%-2.6 pts
Porter, IN$20M2nd of 6110.8%-7.7 pts
Marion, IN$16M27th of 1721.0%+2.8 pts
St Joseph, IN$14M6th of 664.3%+7.1 pts
Tippecanoe, IN$12M4th of 586.8%-13.7 pts
La Porte, IN$9M4th of 506.2%-3.7 pts
Madison, IN$6M8th of 564.6%-11.6 pts
Elkhart, IN$5M18th of 581.6%-5.8 pts
Hamilton, IN$5M36th of 1320.5%-0.5 pts
Hillsdale, MI$4M3rd of 1711.1%quiet FY2021
Johnson, IN$4M16th of 801.7%thin
Allen, IN$2M41st of 1010.5%+1.2 pts
Cumberland, PA$2M30th of 660.8%thin
22 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services116$29M18.8%0.04%318th of 2,596
Other services83$23M15.4%0.07%210th of 2,248
Manufacturing65$20M12.8%0.05%306th of 2,246
Retail trade75$19M12.2%0.03%326th of 2,589
Arts, entertainment & recreation33$13M8.3%0.09%180th of 1,656
7(a) lenders into Indiana, share of approvals since FY2008351 lenders on record; the ten largest and Centier Bank
TH The Huntington National Bank 11.3% $911M · 4,690 loans KN KeyBank National Association 4.3% $349M · 745 loans BB Byline Bank 4.2% $338M · 296 loans LO Live Oak Banking Company 4.1% $334M · 259 loans ON Old National Bank 3.4% $275M · 416 loans sS 1st Source Bank 3.3% $271M · 1,827 loans FM First Merchants Bank 2.9% $236M · 743 loans G Gbank 2.5% $202M · 68 loans WF Wells Fargo Bank National Associa… 2.3% $188M · 395 loans FF First Financial Bank 2.2% $181M · 610 loans CB Centier Bank 1.8% $143M · 660 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Centier BankRankCohort median
Total CRE against capital, the 300% screen265%12th of 12190%
Construction against capital, the 100% screen51%10th of 1241%
Construction and land development, share of loans7.6%10th of 126.0%
Non-owner-occupied nonfarm nonresidential, share of loans23.2%12th of 1216.6%
Total CRE, the guidance definition, share of loans39.3%12th of 1228.7%
CRE growth over 36 months, the third prong+7.9%4th of 12+24.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northern Trust Co.$178.57B1.6%70.3%0.23%0.00%0.4%29.6%6.7%
Old National Bank$73.86B1.4%49.4%0.92%0.25%1.1%89.2%11.3%
CIBC Bank USA$66.50B1.5%36.8%1.35%0.25%1.1%84.2%17.4%
Associated Bank N.A.$51.76B1.0%58.8%0.42%0.16%1.2%91.2%10.4%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
First Merchants Bank$21.32B0.7%65.2%0.82%0.18%1.5%93.0%12.8%
Merchants Bank of Indiana$21.17B1.5%40.2%1.18%0.39%0.4%121.1%11.0%
Busey Bank$18.15B1.3%59.9%0.51%0.21%1.2%87.1%13.7%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Nicolet National Bank$15.39B1.0%64.9%0.63%0.03%1.2%87.0%15.0%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Centier Bank$10.41B1.5%48.2%0.82%0.08%1.2%92.3%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Centier BankCohort median
20212026Change20212026Change
Loans$4.58B$8.11B+77%$9.34B$15.94B+71%
Deposits$4.98B$8.79B+77%$10.80B$15.97B+48%
NPA / loans0.19%0.82%+0.63 pts0.51%0.76%+0.25 pts
Efficiency54.1%48.2%-5.9 pts56.5%58.1%+1.6 pts
ROA1.36%1.53%+0.18 pts1.36%1.43%+0.07 pts

This read was prepared for Centier Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Centier Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Great Lakes states banks over $10B
Institution www.centier.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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