Clearpoint Federal B&T vs Centrebank
Side-by-side bank health comparison using FDIC financial data
Clearpoint Federal B&T (A) and Centrebank (A) are close on the BankHealth rubric. Asset bases: $121M versus $99M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Clearpoint Federal B&T has a stronger Bank Health Score of 100/100 (A) compared to Centrebank at 97/100 (A), a difference of 3 points. Clearpoint Federal B&T holds a Tier 1 capital ratio of 18.1% and an NPL ratio of 0.00%.
| Metric | Clearpoint Federal B&T | Centrebank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.1%* | 17.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 94.5%* | 28.3% |
| Return on Assets Profitability metric (above 1% is strong) | 2.6% | 2.8%* |
| Total Assets | $121M | $99M |
| Total Deposits | $107M | $81M |
| Location | Batesville, Indiana | Veedersburg, Indiana |
Clearpoint Federal B&T has a stronger Bank Health Score of 100/100 (A) compared to Centrebank at 97/100 (A), a difference of 3 points. Clearpoint Federal B&T holds a Tier 1 capital ratio of 18.1% and an NPL ratio of 0.00%.