Centera Bank (FDIC #16436): Bank Stress & Real-Estate Credit Exposure

Centera Bank (FDIC Cert #16436): bank stress 65/100, elevated, STABLE over 7 days; parent SANTA FE TRAIL BANC SHARES INC.

Centera Bank (#16436) lends in 4 counties across 1 state; Centera Bank (#16436) reaches 22 ZIP codes: Kansas 4 counties, 22 ZIPs.

Centera Bank (#16436) largest markets: Ford County, KS (10 branches, 10 ZIPs) (#16436), Kiowa County, KS (7 branches, 7 ZIPs) (#16436), Clark County, KS (6 branches, 6 ZIPs) (#16436), Haskell County, KS (9 branches, 3 ZIPs) (#16436).

Centera Bank (#16436) reports $318.1 million in total assets; Centera Bank (#16436) equity $25.3 million (8.0% of Centera Bank (#16436) assets); Centera Bank (#16436) domestic deposits $290.5 million; Centera Bank (#16436) net income $2.6 million; Centera Bank (#16436) return on assets 1.63%; Centera Bank (#16436) return on equity 21.13%; Centera Bank (#16436) net interest income $5.4 million; Centera Bank (#16436) call report June 30, 2026.

Centera Bank (#16436) noncurrent real-estate loans: none reported; Centera Bank (#16436) net charge-offs on real estate 0.01%.

Centera Bank (#16436) net interest margin 3.58% against an eight-quarter Centera Bank (#16436) average of 3.18% (Centera Bank (#16436) compression -0.40 points); Centera Bank (#16436) rate-exposure score 40/100, Centera Bank (#16436) fixed-rate trap 40/100; Centera Bank (#16436) risk type credit driven; Centera Bank (#16436) rate regime rates elevated, Centera Bank (#16436) snapshot October 20, 2026.

Centera Bank (#16436) stress score moved from 67.7 on June 22, 2026 to 65.1 on October 20, 2026; Centera Bank (#16436) ranged 65.1 to 67.7 over 117 snapshots.

Centera Bank (#16436) alerts: 4 counties; top Centera Bank (#16436) alert scores: Dodge City County, KS 23 (low); Greensburg County, KS 23 (low); Minneola County, KS 23 (low); Sublette County, KS 23 (low).