Everence Trust Co vs Centrebank
Side-by-side bank health comparison using FDIC financial data
Everence Trust Co (A) and Centrebank (A) are close on the BankHealth rubric. Asset bases: $14M 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
Everence Trust Co has a stronger Bank Health Score of 100/100 (A) compared to Centrebank at 97/100 (A), a difference of 3 points. Everence Trust Co holds a Tier 1 capital ratio of 138.5% and an NPL ratio of 0.00%.
| Metric | Everence Trust Co | 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) | 138.5%* | 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 | 60.3%* | 28.3% |
| Return on Assets Profitability metric (above 1% is strong) | 14.2%* | 2.8% |
| Total Assets | $14M | $99M |
| Total Deposits | $500K | $81M |
| Location | Goshen, Indiana | Veedersburg, Indiana |
Everence Trust Co has a stronger Bank Health Score of 100/100 (A) compared to Centrebank at 97/100 (A), a difference of 3 points. Everence Trust Co holds a Tier 1 capital ratio of 138.5% and an NPL ratio of 0.00%.