Is Centera Bank Safe?
Centera Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.77% | 100/100 |
| Nonperforming Loan Ratio | 0.03% | 99/100 |
| Liquidity Ratio | 47.82% | 100/100 |
| Return on Assets | 0.91% | 57/100 |
| Total Assets | $0.3B | |
How does Centera Bank compare?
With a Bank Health Score of 95/100, Centera Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Kansas, where 159 FDIC-insured banks are headquartered, Centera Bank ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 15.77% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.03% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Centera Bank's Bank Health Score held roughly steady at 95/100. Tier 1 capital weakened by 0.15 percentage points to 15.77%. Quarter-over-quarter, the score fell by 1.0 points.
Centera Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (57/100).