Centier Bank (FDIC #12854): Bank Stress & Real-Estate Credit Exposure

Centier Bank (FDIC Cert #12854): bank stress 60/100, elevated, STABLE over 7 days; parent FIRST BANCSHARES INC.

Centier Bank (#12854) lends in 13 counties across 1 state; Centier Bank (#12854) reaches 236 ZIP codes: Indiana 13 counties, 236 ZIPs.

Centier Bank (#12854) largest markets: Marion County, IN (123 branches, 41 ZIPs) (#12854), Allen County, IN (66 branches, 33 ZIPs) (#12854), Lake County, IN (672 branches, 28 ZIPs) (#12854), St. Joseph County, IN (100 branches, 25 ZIPs) (#12854), Hamilton County, IN (69 branches, 23 ZIPs) (#12854), Tippecanoe County, IN (95 branches, 19 ZIPs) (#12854).

Centier Bank (#12854) reports $10.41 billion in total assets; Centier Bank (#12854) equity $1.03 billion (9.9% of Centier Bank (#12854) assets); Centier Bank (#12854) domestic deposits $8.79 billion; Centier Bank (#12854) net income $78.7 million; Centier Bank (#12854) return on assets 1.57%; Centier Bank (#12854) return on equity 15.71%; Centier Bank (#12854) net interest income $170.1 million; Centier Bank (#12854) call report June 30, 2026.

Centier Bank (#12854) noncurrent real-estate loans 0.13% of its book; Centier Bank (#12854) residential 0.26%; Centier Bank (#12854) net charge-offs on real estate 1.32%; Centier Bank (#12854) multifamily charge-offs 0.20%; Centier Bank (#12854) residential charge-offs 2.25%.

Centier Bank (#12854) net interest margin 3.57% against an eight-quarter Centier Bank (#12854) average of 3.59% (Centier Bank (#12854) compression 0.02 points); Centier Bank (#12854) real-estate loans 13.3% of equity; Centier Bank (#12854) non-residential real estate 224.7% of equity; Centier Bank (#12854) rate-exposure score 40/100, Centier Bank (#12854) fixed-rate trap 40/100; Centier Bank (#12854) risk type credit driven; Centier Bank (#12854) rate regime rates elevated, Centier Bank (#12854) snapshot October 20, 2026.

Centier Bank (#12854) stress score moved from 59.6 on June 22, 2026 to 59.8 on October 20, 2026; Centier Bank (#12854) ranged 59.6 to 59.8 over 117 snapshots.

Centier Bank (#12854) alerts: 13 counties; top Centier Bank (#12854) alert scores: Brownsburg County, IN 21 (low); Fort Wayne County, IN 21 (low); Goshen County, IN 21 (low); Greenwood County, IN 21 (low); Indianapolis County, IN 21 (low).