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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Veedersburg, IN · FDIC certificate #15532
CENTREBANK is an FDIC-insured institution based in Veedersburg, IN (FDIC certificate #15532). In its Q3 2026 Call Report it reported total assets of $119M, total deposits of $97M and net loans of $91M. Its primary federal regulator is FDIC.
Plain-language readout
CENTREBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $120M in Q2 2026 and were lowest at $118M in Q1 2026.
Total deposits were highest at $99M in Q2 2026 and lowest at $97M in Q3 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $119M | $97M | $91M | 1.94% | 11.25% | 5.98% |
| Q2 2026 | $120M | $99M | $90M | 1.86% | 10.89% | 5.92% |
| Q1 2026 | $118M | $98M | $93M | 1.34% | 7.86% | 6.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.5M | $20.9M | +$3.6M | +17.2% |
| 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) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $375K | $239K | +$136K | +56.9% |
| Net loans and leases (after allowance) | $89.9M | $92.4M | -$2.6M | -2.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $1.9M | +$15K | +0.8% |
| 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) | $464K | $432K | +$32K | +7.4% |
| All other assets | $2.9M | $2.5M | +$390K | +15.8% |
| Total assets | $120.0M | $118.4M | +$1.6M | +1.3% |
| Liabilities | ||||
| Total deposits | $99.1M | $98.2M | +$837K | +0.9% |
| 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 | $383K | $354K | +$29K | +8.2% |
| Total liabilities | $99.4M | $98.6M | +$866K | +0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $600K | $600K | $0K | 0.0% |
| Retained earnings | $19.5M | $18.8M | +$700K | +3.7% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.5M | $19.8M | +$700K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $302K | $375K | -$73K | -19.5% |
| Adjusted nonperforming assets | $302K | $375K | -$73K | -19.5% |
| Tangible equity plus allowance | $21.4M | $20.8M | +$584K | +2.8% |
| Texas ratio (gross) | 1.41% | 1.80% | -0.39 pts | See points |
| Texas ratio (adjusted) | 1.41% | 1.80% | -0.39 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.01% | 4.13% | -0.13 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 17.16% | 17.05% | +0.11 pts | See points |
| Construction and land loans to total capital | 39.31% | 57.19% | -17.87 pts | See points |
| Commercial real estate to total capital | 51.31% | 69.20% | -17.89 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $90.1M | $88.3M | +$1.8M | +2.1% |
| Non-core funding | $8.9M | $9.9M | -$994K | -10.0% |
| Loans to core deposits | 101.15% | 106.28% | -5.13 pts | See points |
| Loans to deposits | 92.04% | 95.55% | -3.51 pts | See points |
| Brokered deposits share of deposits | 1.14% | 1.15% | -0.01 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 6.51% | 6.35% | +0.16 pts | See points |
| Volatile liabilities | $8.9M | $9.9M | -$994K | -10.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $734K | +$821K | +111.9% |
| Earnings before provision, single quarter | $821K | $734K | +$87K | +11.9% |
| Provision for credit losses, year to date | $117K | $224K | -$107K | -47.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.50% | 7.55% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.64% | 3.74% | -0.11 pts | See points |
| Total interest income to average assets | 6.31% | 6.49% | -0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.39% | 0.41% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.63% | 0.61% | +0.02 pts | See points |
| Cost of time deposits | 3.33% | 3.33% | +0.00 pts | See points |
| Total interest expense to average assets | 1.01% | 0.99% | +0.02 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 | $119M | $97M | $91M | 1.94% | 11.25% | 5.98% |
| 2026-06-30 | $120M | $99M | $90M | 1.86% | 10.89% | 5.92% |
| 2026-03-31 | $118M | $98M | $93M | 1.34% | 7.86% | 6.04% |
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 |
|---|---|---|---|---|
| IN | $92.1M | 0.04% | 112 | Continuing · +0.00 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.