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BDI
CB

Centier Bank

Whiting, IndianaFDIC Cert #12854

STATEEstablished 189562 branches

Holding company: FIRST BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.30%
−25.1%y/y
Peer standing57th percentile
Peer standing in asset:gte_10b
FDICP3ASSET + LNLSGR
90+ %
0.02%
+65.6%y/y
Peer standing52nd percentile
Peer standing in asset:gte_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.66%
+449.4%y/y
Peer standing45th percentile
Peer standing in asset:gte_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.68%
+413.1%y/y
Peer standing56th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.55%
+287.2%y/y
Peer standing44th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$55M
+312.3%y/y
Peer standing80th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.17%
+785.0%y/y
Peer standing50th percentile
Peer standing in asset:gte_10b
FDICNTLNLS + LNLSGR
NCO
$3.39M
+839.6%y/y
Peer standing65th percentile
Peer standing in asset:gte_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.19%
+2.6%y/y
Percentile by value53rd percentileby value
Peer standing in asset:gte_10b
FDICLNATRES + LNLSGR
30–89
$24M
−19.8%y/y
Peer standing81st percentile
Peer standing in asset:gte_10b
FDICP3ASSET
90+
$1.68M
+77.4%y/y
Peer standing59th percentile
Peer standing in asset:gte_10b
FDICP9ASSET
Nonaccrual
$53.1M
+488.6%y/y
Peer standing75th percentile
Peer standing in asset:gte_10b
FDICNAASSET