Centera Bank


119 South Inman Street
Sublette, KS 67877
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.55% 0.70% →
2-Year CD 0.70% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Centera Bank is an FDIC insured institution located in Sublette, KS. It was founded in 1937 and has approximately $0.34 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 16436
Date Established 1937
Assets $ 337.62 million
Loans $ 125.44 million
Deposits $ 302.75 million
Capital $ 28.85 million

For a more detailed analysis of Centera Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Rewards Checking 0.49% $0 $0.00 Learn MoreShow Less

Loan Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Centera Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375%
0.63 points
$2,812 fees
$1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Centera Bank
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Centera Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Centera Bank Locations

Financial Details

Centera Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Centera Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Centera Bank U.S. Bank Average
7.45% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Centera Bank had $655,000 in non-current loans and $1,607,000 in owned real estate. To cover these potential losses it had $28,848,000 in equity and $1,523,000 in loans loss reserves. That gives it a Texas Ratio of 7.45%.

Return on Equity
Centera Bank U.S. Bank Average
14.18% 11.43%

Centera Bank has a Return on Equity of 14.18% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Centera Bank U.S. Bank Average
8.54% 11.51%

Centera Bank has a Capitalization of 8.54% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Centera Bank Balance Sheet Analysis

As of March 31, 2021, Centera Bank had assets of $337,619,000, loans of $125,441,000, and deposits of $302,753,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 3.87 million
Interest-bearing balances $ 0.20 million
Total securities $ 193.88 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 125.44 million
Loan loss allowance $ 1.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.61 million
Goodwill and other intangibles $ 1.35 million
All other assets $ 8.79 million
     Total Assets $ 308.77 million
Total deposits $ 302.75 million
      Interest-bearing deposits $ 222.68 million
      Deposits held in domestic offices $ 302.75 million
      % insured (estimated) 66.63%
Federal funds purchased and repurchase agreements $ 4.41 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.61 million
      Total Liabilities $ 308.77 million
      Shareholders’ Equity $ 28.85 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 2.40 million
Total Interest Expense $ 0.11 million
Net interest income $ 2.28 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 0.39 million
Total non interest expense $ 1.65 million
Pre-tax Net Operating Income $ 1.02 million

Bank Loan Profile?

The top three loan types in Centera Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Centera Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.61
Credit Card Loans 0.00
Consumer Auto Loans 1.21
Small Business Loans 0.00
Construction and Development Loans 3.27
Commercial Real Estate 15.64
Commercial and Industrial Loans 17.64
Farm Loans 24.45

Frequently Asked Questions About Centera Bank

Branches and Savings

Is Centera Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16436.

Why does Centera Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Centera Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Centera Bank a commercial bank?


Where are Centera Bank locations?

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Is Centera Bank open on Saturdays?

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Does Centera Bank offer mortgages?

Compare mortgage rates here.

Does Centera Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Centera Bank offer personal loans?

Compare personal loan rates here.

Does Centera Bank offer student loans?

Will Centera Bank cash a check?

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Background on The Bank

Who owns Centera Bank?

How long has Centera Bank been around?

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