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119 South Inman Street
Sublette, KS 67877

Centera Bank is headquartered in Sublette and is the 50th largest bank in the state of Kansas. It is also the 2,470th largest bank in the nation. It was established in 1937 and as of March of 2014, it had grown to 51 employees at 6 locations. Centera Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 March 31, 2014 Centera Bank had $2.33 million in non-current loans and owned real-estate with $23.76 million in equity and loan loss allowances on hand to cover it. This gives Centera Bank a Texas Ratio of 9.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Centera Bank increased slightly from 3.99% as of March 31, 2013 to 9.80% as of March 31, 2014, resulting in a negative change of 145.75%. This indicates that the balance sheet and financial strength for Centera Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Centera Bank has increased its total deposits by $7.85 million, resulting in 3.42% 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 excellent.



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 $260.58 million in assets with $23.76 million in equity, resulting in a capitalization level of 9.12%, which is average.

Institution Statistics

FDIC Certificate #16436
Year Established1937
Primary RegulatorFDIC
Assets and Liabilities
Assets$260.58 million
Loans$111.16 million
Deposits$237.43 million
Equity Capital$22.22 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$2.33 million
Real Estate Owned$0
Historic Data - March 2013
Assets$257.19 million
Equity Capital$23.51 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$2.33 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.28%
Return on Equity15.34%
Interest Income$2.13 million

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Centera Bank Savings Account Rates

0.15%--Regular Savings

Centera Bank Money Market Rates

0.25%$1k-Money Market Deposit

Centera Bank Checking Account Rates

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

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

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

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