Total Assets
$321M
Total balance-sheet footings
FDIC Cert #16436 · Sublette, Kansas · Est. 1937
Centera Bank - FDIC Bank Health Profile
A community-scale look at Centera Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $321M
- Total assets
- B
- Health grade · Good
- 1.00%
- Return on assets
- 15.5%
- Tier 1 capital
Data updated July 2026
The verdict
Centera Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.51% Tier 1, 1.00% ROA, 71% efficiency ratio.
- #2,397
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 15.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Centera Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Centera Bank's composite health score
Tier 1 Capital Ratio (15.51%) 40/40
Return on Assets (ROA) (1.00%) 14/25
Texas Ratio (1.08%) 20/20
Efficiency Ratio (71.38%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$293M
Customer-funded liabilities
Net Loans
$154M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Centera Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Centera Bank's score of 78/100 falls in the highlighted band.
Centera Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Centera Bank's $321M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.51%
Texas Ratio
1.08%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
14.53%
Efficiency Ratio
71.38%
What the numbers say about Centera Bank
Centera Bank is an FDIC-insured institution (Certificate #16436) headquartered in Sublette, Kansas, established in 1937. It holds $321M in total assets - 2,397th of 4,313 FDIC-insured banks, $293M in customer deposits, and $154M in net loans. Capital-wise, the Tier 1 ratio sits at 15.51%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.08%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Centera Bank sits 66th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Centera Bank reports a Texas Ratio of 1.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Centera Bank (FDIC Cert #16436) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Centera Bank's health grade?▼
Centera Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Centera Bank?▼
Centera Bank holds $321M in total assets and $293M in deposits, ranking 2,397th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sublette, Kansas.
Is my money safe at Centera Bank?▼
Yes, deposits at Centera Bank (Certificate #16436) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Centera Bank's Tier 1 Capital Ratio?▼
Centera Bank has a Tier 1 Capital Ratio of 15.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Centera Bank?▼
Centera Bank has a Texas Ratio of 1.08%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Centera Bank?▼
Centera Bank has an Efficiency Ratio of 71.38%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Centera Bank's profile as a depositor or analyst.
- Centera Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Centera Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.