$8.01B
+7.1%y/y
Percentile by value9th percentileby value
FDIC
LNLSGRCB
Centier Bank
Whiting, IndianaFDIC Cert #12854
STATEEstablished 189562 branches
Holding company: FIRST BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $627M |
| Investor CRE | $1.91B |
| Multifamily | $785M |
| Construction | $711M |
| 1–4 family | $936M |
| C&I | $690M |
| Agriculture | $1.54M |
| Other | $2.34B |
Loan book
Reported balances and balance-sheet intensity.
$7.91B
+7.1%y/y
Percentile by value9th percentileby value
FDIC
LNLSNET+7.09%
−12.1%y/y
Percentile by value51st percentileby value
FDIC
LNLSNET95.0%
−3.2%y/y
Percentile by value84th percentileby value
FDIC
LNLSNET + DEP78.4%
+0.6%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET + ASSET65.62%
−6.9%y/y
Percentile by value53rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
291%
−14.6%y/y
Percentile by value88th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC61%
−21.5%y/y
Percentile by value86th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,031points
−13.1%y/y
Peer standing85th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.83%
+3.8%y/y
Percentile by value55th percentileby value
FDIC
LNRENROW + LNLSGR23.90%
−8.3%y/y
Percentile by value84th percentileby value
FDIC
LNRENROT + LNLSGR8.62%
+6.5%y/y
Percentile by value22nd percentileby value
FDIC
LNCI + LNLSGR