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Overview / Commentary
620-675-8611
119 South Inman Street
Sublette, KS 67877

Centera Bank is headquartered in Sublette and is the 53rd largest bank in the state of Kansas. It is also the 2,518st largest bank in the nation. It was established in 1937 and as of June of 2014, it had grown to 48 employees at 6 locations. Centera Bank has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Centera Bank had $1.88 million in non-current loans and owned real-estate with $24.48 million in equity and loan loss allowances on hand to cover it. This gives Centera Bank a Texas Ratio of 7.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Centera Bank experienced no significant changes from 4.49% as of June 30, 2013 to 7.66% as of June 30, 2014, resulting in a negative change of 70.86%. This indicates that the balance sheet and financial strength for Centera Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Centera Bank has increased its total deposits by $5.86 million, resulting in 2.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centera Bank has shown is above average.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centera Bank has $254.06 million in assets with $24.48 million in equity, resulting in a capitalization level of 9.64%, which is above average.

Institution Statistics

Overall
FDIC Certificate #16436
Year Established1937
Employees48
Primary RegulatorFDIC
Assets and Liabilities
Assets$254.06 million
Loans$120.95 million
Deposits$228.07 million
Equity Capital$23.04 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$0
Historic Data - June 2013
Assets$249.15 million
Equity Capital$20.65 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.22%
Return on Equity14.27%
Interest Income$4.32 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Centera Bank, we are a rate comparison website and can not provide official rates or promotions.

Centera Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Regular Savings

Centera Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-Money Market Deposit

Centera Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.50%-$25kReward Checking - Qualifying
0.05%--Reward Checking - Non Qualifying
0.05%$1,500-Regular NOW
0.05%$1,500-Blue Ribbon NOW

Centera Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$100k-3 Year CD
0.75%$100k-2 Year CD
0.60%$100k-1 Year CD
0.40%$100k-6 Month CD
0.30%$100k-3 Month CD
0.25%$100k-30 Day CD

Centera Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$100k-3 Year IRA
0.75%$100k-2 Year IRA
0.60%$100k-1 Year IRA
0.40%$100k-18 Month Variable IRA
Locations


Centera Bank Locations
Satanta Branch110 North Sequoyah StreetSatanta, KS 67870
Minneola Branch113 Main StreetMinneola, KS 67865
Centera Bank119 South Inman StreetSublette, KS 67877
Greensburg Branch135 South Main StreetGreensburg, KS 67054
Dodge City Branch14th Avenue and Soule StreetDodge City, KS 67801
Administrative Office BranchHwy 56Sublette, KS 67877