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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Sublette, KS · FDIC certificate #16436
CENTERA BANK is an FDIC-insured institution based in Sublette, KS (FDIC certificate #16436). In its Q3 2026 Call Report it reported total assets of $311M, total deposits of $287M and net loans of $155M. Its primary federal regulator is FDIC.
Plain-language readout
CENTERA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $328M in Q1 2026 and were lowest at $311M in Q3 2026.
Total deposits were highest at $302M in Q1 2026 and lowest at $287M in Q3 2026.
Over the whole period total assets fell 5.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $311M | $287M | $155M | 1.55% | 20.52% | 3.66% |
| Q2 2026 | $318M | $291M | $149M | 1.63% | 21.13% | 3.58% |
| Q1 2026 | $328M | $302M | $148M | 1.53% | 20.15% | 3.42% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.9M | $19.0M | -$9.1M | -47.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $142.4M | $144.3M | -$2.0M | -1.4% |
| Equity securities with readily determinable fair values, not held for trading | $72K | $59K | +$13K | +22.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $148.9M | $148.3M | +$573K | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.3M | +$9K | +0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.4M | $1.4M | $0K | 0.0% |
| All other assets | $13.3M | $13.1M | +$182K | +1.4% |
| Total assets | $318.1M | $328.3M | -$10.2M | -3.1% |
| Liabilities | ||||
| Total deposits | $290.5M | $301.8M | -$11.3M | -3.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.2M | $2.2M | +$44K | +2.0% |
| Total liabilities | $292.8M | $304.0M | -$11.2M | -3.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $6.4M | $6.4M | $0K | 0.0% |
| Retained earnings | $25.8M | $25.2M | +$586K | +2.3% |
| Accumulated other comprehensive income | -$7.1M | -$7.5M | +$409K | +5.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.3M | $24.3M | +$995K | +4.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $15K | $60K | -$45K | -75.0% |
| Adjusted nonperforming assets | $15K | $19K | -$4K | -21.1% |
| Tangible equity plus allowance | $25.6M | $24.6M | +$983K | +4.0% |
| Texas ratio (gross) | 0.06% | 0.24% | -0.19 pts | See points |
| Texas ratio (adjusted) | 0.06% | 0.08% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.06% | 0.08% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.52% | 16.30% | +0.22 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.52% | 16.30% | +0.22 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.91% | 0.93% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.44% | 17.23% | +0.21 pts | See points |
| Tier 1 leverage (approximate) | 9.59% | 9.21% | +0.38 pts | See points |
| Construction and land loans to total capital | 12.35% | 13.55% | -1.19 pts | See points |
| Commercial real estate to total capital | 70.16% | 73.70% | -3.54 pts | See points |
| Dividend payout, year to date | 57.03% | 56.32% | +0.72 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -23.69% | -25.54% | +1.85 pts | See points |
| Liquidity | ||||
| Core deposits | $235.6M | $244.9M | -$9.3M | -3.8% |
| Non-core funding | $54.9M | $56.9M | -$2.0M | -3.5% |
| Loans to core deposits | 63.85% | 61.21% | +2.65 pts | See points |
| Loans to deposits | 51.79% | 49.66% | +2.12 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 56.93% | 60.74% | -3.81 pts | See points |
| Loans pledged, share of loans | 11.20% | 11.18% | +0.02 pts | See points |
| Volatile liabilities | $55.0M | $57.0M | -$2.0M | -3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.0M | +$1.3M | +123.8% |
| Earnings before provision, single quarter | $1.3M | $1.0M | +$241K | +23.8% |
| Provision for credit losses, year to date | $1K | $5K | -$4K | -80.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.72% | 6.62% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 4.70% | 2.99% | +1.71 pts | See points |
| Total interest income to average assets | 4.58% | 4.26% | +0.32 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.14% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.53% | 0.53% | +0.00 pts | See points |
| Cost of time deposits | 3.37% | 3.40% | -0.04 pts | See points |
| Total interest expense to average assets | 1.14% | 1.14% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $311M | $287M | $155M | 1.55% | 20.52% | 3.66% |
| 2026-06-30 | $318M | $291M | $149M | 1.63% | 21.13% | 3.58% |
| 2026-03-31 | $328M | $302M | $148M | 1.53% | 20.15% | 3.42% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $298.4M | 0.29% | 76 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.