Centier Bank Mortgage Rates, Fees & Info

Whiting, IN

LEI: 549300SKTBTC2QFDKG02

Tax ID: 35-0161790

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Centier Bank is a smaller bank specializing in Home Purchase and Refi loans. Centier Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Indianapolis, Lafayette, Michigan City, and Elkhart among others. We have data for 176 markets. (Some data included below & more in-depth data is available with an active subscription.)

Centier Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Centier Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	7.63%	4/18/24
30 Year Conventional Purchase	6.83%	4/18/24
30 Year Conventional Refi	6.57%	4/18/24
30 Year Cash-out Refi	6.78%	4/18/24
30 Year FHA Purchase	7.77%	4/18/24
30 Year FHA Refi	6.27%	4/18/24
30 Year VA Purchase	6.61%	4/18/24
30 Year USDA Purchase	7.16%	4/18/24
15 Year Conventional Purchase	7.45%	4/18/24
15 Year Conventional Refi	6.64%	4/18/24
15 Year Cash-out Refi	6.64%	4/18/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Centier Bank Mortgage Calculator

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This is not an official calculator from Centier Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

4,267

Origination Dollar Volume (All Markets)

$680,795,000

Employee count

854

Awards

Centier Bank 30 Year Conventional Loans gold

Centier Bank 30 Year Conventional Loans silver

Show all (20) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1,917	$270,615,000	$141,166	$1,773	5.41%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	733	$158,755,000	$216,583	$1,825	5.16%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	211	$60,505,000	$286,754	$1,574	5.16%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	265	$28,975,000	$109,340	$1,320	5.22%
ELKHART-GOSHEN, IN (FHA\|USDA\|VA)	127	$27,435,000	$216,024	$975	5.53%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	107	$23,805,000	$222,477	$1,218	5.37%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	3	$12,805,000	$4,268,333	$0	7.34%
FORT WAYNE, IN (FHA\|USDA\|VA)	74	$12,760,000	$172,432	$973	5.20%
Outside of Metro Areas	128	$12,630,000	$98,672	$2,191	6.16%
MUNCIE, IN (FHA\|USDA\|VA)	7	$12,075,000	$1,725,000	$1,816	4.76%
KOKOMO, IN (FHA\|USDA\|VA)	42	$11,250,000	$267,857	$1,071	5.01%
Plymouth, IN (FHA\|USDA\|VA)	22	$3,140,000	$142,727	$2,333	5.80%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	58	$2,660,000	$45,862	$0	7.26%
Frankfort, IN (FHA\|USDA\|VA)	9	$2,595,000	$288,333	$1,639	4.74%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	44	$2,250,000	$51,136	$0	7.44%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	36	$2,190,000	$60,833	$0	7.27%
Auburn, IN (FHA\|USDA\|VA)	14	$2,170,000	$155,000	$1,873	4.21%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	40	$2,080,000	$52,000	$0	7.36%
Warsaw, IN (FHA\|USDA\|VA)	9	$1,805,000	$200,556	$1,870	4.31%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$1,670,000	$835,000	$5,339	4.38%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	3	$1,625,000	$541,667	$7,976	4.88%
Angola, IN (FHA\|USDA\|VA)	4	$1,310,000	$327,500	$3,683	4.84%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	20	$1,180,000	$59,000	$0	7.76%
Crawfordsville, IN (FHA\|USDA\|VA)	5	$905,000	$181,000	$2,420	5.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	2	$640,000	$320,000	$3,421	3.63%
READING, PA (FHA\|USDA\|VA)	14	$630,000	$45,000	$0	8.01%
WICHITA, KS (FHA\|USDA\|VA)	8	$600,000	$75,000	$0	8.02%
GREELEY, CO (FHA\|USDA\|VA)	9	$535,000	$59,444	$0	8.09%
NILES, MI (FHA\|USDA\|VA)	3	$525,000	$175,000	$1,494	4.75%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	9	$475,000	$52,778	$0	7.55%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$445,000	$445,000	$4,804	3.88%
ANN ARBOR, MI (FHA\|USDA\|VA)	9	$435,000	$48,333	$0	7.55%
Fergus Falls, MN (FHA\|USDA\|VA)	4	$410,000	$102,500	$0	6.77%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$405,000	$405,000	$4,501	3.13%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	7	$395,000	$56,429	$0	7.65%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	6	$370,000	$61,667	$0	6.87%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	8	$370,000	$46,250	$0	7.66%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$355,000	$355,000	$4,316	3.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	7	$345,000	$49,286	$0	7.39%
BOISE CITY, ID (FHA\|USDA\|VA)	5	$345,000	$69,000	$0	7.99%
YORK-HANOVER, PA (FHA\|USDA\|VA)	9	$345,000	$38,333	$0	7.23%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	3	$315,000	$105,000	$0	7.58%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	5	$315,000	$63,000	$0	7.58%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	10	$300,000	$30,000	$0	7.27%
CAPE GIRARDEAU, MO-IL (FHA\|USDA\|VA)	4	$290,000	$72,500	$0	7.34%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	7	$285,000	$40,714	$0	6.93%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	5	$285,000	$57,000	$0	6.82%
PITTSBURGH, PA (FHA\|USDA\|VA)	6	$280,000	$46,667	$0	6.86%
BOULDER, CO (FHA\|USDA\|VA)	3	$275,000	$91,667	$0	7.53%
GETTYSBURG, PA (FHA\|USDA\|VA)	5	$275,000	$55,000	$0	7.60%
MORGANTOWN, WV (FHA\|USDA\|VA)	7	$275,000	$39,286	$0	7.93%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	8	$270,000	$33,750	$0	7.44%
LEBANON, PA (FHA\|USDA\|VA)	5	$265,000	$53,000	$0	7.71%
TOLEDO, OH (FHA\|USDA\|VA)	6	$260,000	$43,333	$0	7.52%
LANCASTER, PA (FHA\|USDA\|VA)	5	$255,000	$51,000	$0	7.59%
Big Stone Gap, VA (FHA\|USDA\|VA)	4	$240,000	$60,000	$0	8.03%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	4	$230,000	$57,500	$0	7.66%
AKRON, OH (FHA\|USDA\|VA)	4	$230,000	$57,500	$0	7.24%
Kalispell, MT (FHA\|USDA\|VA)	3	$225,000	$75,000	$0	7.98%
PANAMA CITY, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$3,027	4.75%
Adrian, MI (FHA\|USDA\|VA)	6	$220,000	$36,667	$0	7.57%
Edwards, CO (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	6.99%
Hillsdale, MI (FHA\|USDA\|VA)	4	$210,000	$52,500	$0	7.74%
FORT COLLINS, CO (FHA\|USDA\|VA)	4	$210,000	$52,500	$0	7.39%
STAUNTON, VA (FHA\|USDA\|VA)	3	$195,000	$65,000	$0	8.20%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	3	$185,000	$61,667	$0	8.17%
Outside of Metro Areas	3	$185,000	$61,667	$0	7.16%
MONROE, MI (FHA\|USDA\|VA)	5	$185,000	$37,000	$0	7.17%
Montrose, CO (FHA\|USDA\|VA)	3	$185,000	$61,667	$0	7.25%
Logansport, IN (FHA\|USDA\|VA)	2	$180,000	$90,000	$347	4.00%
KANKAKEE, IL (FHA\|USDA\|VA)	2	$180,000	$90,000	$3,209	6.06%
MUSKEGON, MI (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	7.98%
RACINE, WI (FHA\|USDA\|VA)	3	$175,000	$58,333	$0	7.28%
Pella, IA (FHA\|USDA\|VA)	2	$170,000	$85,000	$0	7.72%
Malone, NY (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	7.65%
PUEBLO, CO (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	7.00%
EAU CLAIRE, WI (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	7.83%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	8.29%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	2	$160,000	$80,000	$0	7.08%
COLUMBUS, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,708	3.75%
New Castle, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$935	4.50%
LOGAN, UT-ID (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	6.93%
Helena, MT (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	6.99%
SPRINGFIELD, MO (FHA\|USDA\|VA)	2	$140,000	$70,000	$0	6.87%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	7.25%
COLUMBUS, OH (FHA\|USDA\|VA)	4	$130,000	$32,500	$0	8.44%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	8.88%
JEFFERSON CITY, MO (FHA\|USDA\|VA)	2	$130,000	$65,000	$0	7.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	9.15%
Clarksburg, WV (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	7.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	4	$120,000	$30,000	$0	8.91%
Plattsburgh, NY (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	8.78%
GLENS FALLS, NY (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	8.75%
SALISBURY, MD-DE (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.50%
ROCHESTER, NY (FHA\|USDA\|VA)	2	$120,000	$60,000	$0	6.80%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	3	$115,000	$38,333	$0	7.75%
Williston, ND (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	8.25%
Mount Gay-Shamrock, WV (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	6.35%
DOVER, DE (FHA\|USDA\|VA)	4	$110,000	$27,500	$0	8.11%
BINGHAMTON, NY (FHA\|USDA\|VA)	2	$110,000	$55,000	$0	9.10%
Fort Madison-Keokuk, IA-IL-MO (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.75%
Winona, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.75%
Frankfort, KY (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.25%
Holland, MI (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.60%
Bluefield, WV-VA (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.05%
Meadville, PA (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.00%
SYRACUSE, NY (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.93%
TOPEKA, KS (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.43%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	2	$100,000	$50,000	$0	7.75%
LINCOLN, NE (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.75%
BILLINGS, MT (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.25%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$95,000	$95,000	$652	5.25%
Fairfield, IA (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.75%
BECKLEY, WV (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	6.25%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	2	$90,000	$45,000	$0	6.80%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.25%
MANKATO, MN (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	6.50%
Poplar Bluff, MO (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	8.25%
Bluffton, IN (FHA\|USDA\|VA)	1	$85,000	$85,000	$1,714	5.00%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	2	$80,000	$40,000	$0	8.35%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	2	$80,000	$40,000	$0	7.35%
Norfolk, NE (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.75%
SIOUX FALLS, SD (FHA\|USDA\|VA)	3	$75,000	$25,000	$0	7.70%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.75%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$75,000	$75,000	$2,460	3.50%
JACKSON, MI (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.50%
WATERTOWN-FORT DRUM, NY (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.25%
WAUSAU-WESTON, WI (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	6.75%
Somerset, KY (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	7.99%
Pottsville, PA (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	6.99%
GRAND JUNCTION, CO (FHA\|USDA\|VA)	2	$70,000	$35,000	$0	8.63%
New Philadelphia-Dover, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.35%
Mount Pleasant, MI (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.25%
Cambridge, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.75%
Minot, ND (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.75%
Oneonta, NY (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.40%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	6.35%
Glenwood Springs, CO (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	8.65%
WHEELING, WV-OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	9.85%
Sunbury, PA (FHA\|USDA\|VA)	2	$60,000	$30,000	$0	7.12%
Sayre, PA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.75%
Lebanon, MO (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.35%
Bedford, IN (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.50%
BLOOMINGTON, IN (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.40%
Menomonie, WI (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.45%
Owatonna, MN (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	8.35%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	6.75%
Big Rapids, MI (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	9.35%
FLINT, MI (FHA\|USDA\|VA)	2	$50,000	$25,000	$0	6.55%
SHEBOYGAN, WI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	7.99%
Durango, CO (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	9.00%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	9.70%
Muscatine, IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	7.50%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.35%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.50%
KINGSTON, NY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	7.24%
Traverse City, MI (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.99%
AMES, IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.50%
Fort Dodge, IA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	6.99%
Bellefontaine, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.99%
Sheridan, WY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.24%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.99%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	7.24%
Salem, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.35%
Findlay, OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.99%
Branson, MO (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.50%
WEIRTON-STEUBENVILLE, WV-OH (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	6.75%
West Plains, MO (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	9.60%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$35,000	$35,000	$0	8.70%
Ludington, MI (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.24%
Sikeston, MO (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.99%
Baraboo, WI (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	7.00%
Mountain Home, ID (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.60%
STATE COLLEGE, PA (FHA\|USDA\|VA)	1	$25,000	$25,000	$0	8.60%
BLOOMINGTON, IL (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	7.99%
Wabash, IN (FHA\|USDA\|VA)	1	$15,000	$15,000	$0	6.25%

Centier Bank's top markets include Chicago, Indianapolis, Lafayette, Michigan City, and Elkhart among others.

Their top states include:

Indiana (FHA|USDA|VA)

Ohio (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Florida (FHA|USDA|VA)

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Similarity Rank: 480

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	3,035	$558,425,000	$183,995	$1,436	5.39%
HELOC	1,013	$88,035,000	$86,905	n/a	6.64%
FHA	182	$28,410,000	$156,099	$4,501	4.33%
VA	21	$3,985,000	$189,762	$4,073	3.82%
USDA	16	$1,940,000	$121,250	$2,025	3.97%

For 2019, Centier Bank's most frequently originated type of loan was Conventional, with 3,035 originations. Their 2nd most popular type was HELOC, with 1,013 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,411	$441,305,000	$183,038	$1,926	5.55%
Home Improvement	697	$34,415,000	$49,376	$64	6.32%
Refi	631	$143,045,000	$226,696	$1,323	5.38%
Other	303	$19,245,000	$63,515	$725	6.33%
Cash Out Refi	225	$42,785,000	$190,156	$2,350	4.11%

For 2019, Centier Bank's most frequently cited loan purpose was Home Purchase, with 2,411 originations. The 2nd most popular reason was Home Improvement, with 697 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,470	$254,670,000	$173,245	$2,033	4.19%
20 Year	1,466	$101,750,000	$69,407	$456	6.80%
15 Year	704	$58,240,000	$82,727	$1,118	6.15%
Other	271	$58,185,000	$214,705	$283	5.64%
30+ year	132	$69,380,000	$525,606	$5,034	4.64%
10 Year	110	$79,960,000	$726,909	$195	6.20%
5 Year	91	$40,615,000	$446,319	$15	6.08%
3 Year	12	$15,850,000	$1,320,833	$45	5.64%
1 Year	11	$2,145,000	$195,000	$0	12.40%

For 2019, Centier Bank's most frequently cited loan duration was 30 Year, with 1,470 originations. The 2nd most popular length was 20 Year, with 1,466 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	2,180	$317,380,000	$145,587
$1k-2k	240	$50,390,000	$209,958
$2k-3k	65	$14,205,000	$218,538
$3k-4k	17	$4,845,000	$285,000
$5k+	13	$7,135,000	$548,846
$4k-5k	9	$2,485,000	$276,111

Centier Bank's average total fees were $2,033, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,180 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
6-7%	1,102	$62,570,000	$56,779
4-5%	1,003	$301,065,000	$300,165
3-4%	944	$177,970,000	$188,528
7-8%	581	$25,585,000	$44,036
5-6%	438	$102,220,000	$233,379
Over 8%	191	$10,155,000	$53,168
2.5-3%	8	$1,230,000	$153,750

During 2019, Centier Bank's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 6-7%, with 1,102 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	2,450	$106,520,000	$43,478	$605	6.44%
$100k-200k	1,080	$151,330,000	$140,120	$1,978	4.64%
$200k-400k	528	$142,550,000	$269,981	$2,824	4.35%
$400k-600k	124	$58,440,000	$471,290	$3,362	4.51%
$600k-1MM	47	$36,225,000	$770,745	$3,604	4.45%
$1MM+	38	$185,730,000	$4,887,632	$9,880	4.68%

2019 saw Centier Bank place emphasis on $100,000 or less loans with 2,450 originations, totaling $106,520,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	1,286	$86,870,000	$67,551	$1,004	5.81%
$50k-75k	1,024	$98,200,000	$95,898	$1,714	5.64%
$100k-150k	636	$89,770,000	$141,148	$1,954	5.55%
$75k-100k	607	$69,525,000	$114,539	$1,966	5.64%
$150k-250k	355	$72,175,000	$203,310	$2,548	5.29%
$250k+	184	$78,070,000	$424,293	$3,798	5.25%

Centier Bank lent most frequently to those with incomes in the $50k or less range, with 1,286 originations. The second most popular income band? $50k-75k, with 1,024 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	1,055	$117,355,000	$111,237	$1,590	5.65%
30-36%	854	$109,630,000	$128,372	$1,608	5.62%
<20%	462	$46,110,000	$99,805	$1,318	5.70%
42%	305	$34,455,000	$112,967	$1,271	5.87%
41%	217	$22,515,000	$103,756	$1,480	5.85%
40%	215	$22,195,000	$103,233	$1,367	5.94%
37%	185	$22,595,000	$122,135	$1,630	5.78%
39%	182	$18,570,000	$102,033	$1,528	5.81%
36%	160	$15,550,000	$97,188	$1,311	5.78%
38%	154	$24,380,000	$158,312	$2,348	5.58%
43%	105	$13,115,000	$124,905	$1,980	5.57%
44%	68	$12,700,000	$186,765	$2,750	4.41%
50-60%	56	$10,610,000	$189,464	$3,513	4.46%
45%	37	$8,185,000	$221,216	$2,730	4.51%
>60%	33	$9,965,000	$301,970	$2,529	4.59%
47%	30	$6,210,000	$207,000	$2,440	4.48%
46%	25	$4,615,000	$184,600	$2,336	4.18%
48%	22	$4,690,000	$213,182	$2,436	4.17%
49%	21	$3,675,000	$175,000	$2,386	4.32%

Centier Bank lent most frequently to those with DTI ratios of 20-30%, with 1,055 originations. The next most common DTI ratio? 30-36%, with 854 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	3,464	$413,460,000	$119,359	$1,748	5.59%
Not applicable	80	$173,570,000	$2,169,625	$0	6.31%
Not provided	336	$55,280,000	$164,524	$1,458	6.01%
Black	250	$20,490,000	$81,960	$1,381	5.58%
Asian	101	$12,675,000	$125,495	$1,309	5.39%
Asian Indian	4	$2,010,000	$502,500	$1,063	4.75%
American Indian	15	$1,295,000	$86,333	$1,024	5.96%
Chinese	4	$840,000	$210,000	$0	6.31%
Other Asian	6	$710,000	$118,333	$1,394	6.06%
Korean	2	$220,000	$110,000	$742	5.00%
Filipino	3	$145,000	$48,333	$0	7.33%
Other Pacific Islander	2	$100,000	$50,000	$0	7.38%

Approval Rates

Total approvals of all applications
87.64%

Centier Bank has an average approval rate.

Pick Rate

Approvals leading to origination
67.26%

Centier Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
0.0	10	$410,000	$41,000
10067.0	1	$215,000	$215,000
1009.52	1	$85,000	$85,000
1033.51	1	$85,000	$85,000
1049.48	1	$85,000	$85,000
1049.97	1	$35,000	$35,000
1052.0	2	$40,000	$20,000
1064.55	1	$45,000	$45,000
1070.63	1	$105,000	$105,000
1079.04	1	$85,000	$85,000
1090.0	1	$25,000	$25,000
1098.37	1	$45,000	$45,000
1098.41	1	$35,000	$35,000
1100.0	1	$25,000	$25,000
1102.49	1	$35,000	$35,000
1117.66	1	$35,000	$35,000
1120.0	1	$95,000	$95,000
1127.43	1	$35,000	$35,000
1128.13	1	$35,000	$35,000
1142.0	1	$65,000	$65,000
1142.96	1	$45,000	$45,000
1162.39	1	$45,000	$45,000
1167.04	1	$95,000	$95,000
1181.81	1	$45,000	$45,000
1185.3	1	$35,000	$35,000
1186.56	1	$95,000	$95,000
1200.0	2	$50,000	$25,000
1204.62	1	$25,000	$25,000
1232.0	1	$105,000	$105,000
1249.0	2	$60,000	$30,000
1260.42	1	$55,000	$55,000
1277.0	1	$25,000	$25,000
1280.0	1	$55,000	$55,000
1280.11	1	$105,000	$105,000
1280.51	1	$55,000	$55,000
1281.9	1	$45,000	$45,000
1322.75	1	$25,000	$25,000
1325.0	1	$25,000	$25,000
1327.0	1	$25,000	$25,000
1337.1	1	$25,000	$25,000
1340.0	1	$25,000	$25,000
1360.0	1	$25,000	$25,000
1361.21	1	$135,000	$135,000
1366.8	1	$65,000	$65,000
1375.74	1	$55,000	$55,000
1400.0	1	$35,000	$35,000
1400.1	1	$35,000	$35,000
1415.0	1	$35,000	$35,000
1427.02	1	$125,000	$125,000
1430.0	1	$35,000	$35,000
1450.0	1	$35,000	$35,000
1460.68	1	$75,000	$75,000
1475.0	1	$35,000	$35,000
1506.05	1	$45,000	$45,000
1545.0	1	$35,000	$35,000
1552.0	1	$35,000	$35,000
1554.99	1	$45,000	$45,000
1560.0	1	$35,000	$35,000
1567.28	1	$85,000	$85,000
1576.55	1	$35,000	$35,000
1624.0	1	$45,000	$45,000
1649.0	1	$85,000	$85,000
1650.0	1	$35,000	$35,000
1651.0	1	$35,000	$35,000
1693.0	1	$35,000	$35,000
1700.0	1	$35,000	$35,000
1716.0	1	$35,000	$35,000
1726.51	1	$45,000	$45,000
1771.53	1	$105,000	$105,000
1820.0	1	$45,000	$45,000
1855.77	1	$55,000	$55,000
1875.0	1	$35,000	$35,000
1897.0	1	$55,000	$55,000
1900.0	2	$90,000	$45,000
1950.0	3	$145,000	$48,333
200.0	1	$75,000	$75,000
2000.0	1	$45,000	$45,000
2040.0	1	$45,000	$45,000
2075.0	1	$45,000	$45,000
2105.0	1	$65,000	$65,000
2128.85	1	$45,000	$45,000
2157.17	1	$55,000	$55,000
2160.0	1	$65,000	$65,000
2174.62	1	$75,000	$75,000
2199.0	4	$300,000	$75,000
2200.0	2	$180,000	$90,000
2212.53	1	$45,000	$45,000
2250.77	1	$75,000	$75,000
2310.0	1	$65,000	$65,000
2380.0	1	$55,000	$55,000
2399.0	1	$75,000	$75,000
2450.0	1	$65,000	$65,000
2500.0	2	$110,000	$55,000
2599.0	4	$310,000	$77,500
2615.92	1	$185,000	$185,000
2650.0	1	$55,000	$55,000
2666.0	1	$65,000	$65,000
2700.0	1	$95,000	$95,000
2749.0	2	$140,000	$70,000
2800.0	2	$140,000	$70,000
2895.46	1	$115,000	$115,000
2900.0	1	$65,000	$65,000
2916.0	1	$75,000	$75,000
2930.54	1	$65,000	$65,000
3000.0	3	$285,000	$95,000
3087.0	1	$75,000	$75,000
3200.0	1	$65,000	$65,000
3232.0	2	$170,000	$85,000
3280.0	1	$75,000	$75,000
3432.0	1	$95,000	$95,000
3574.0	1	$85,000	$85,000
3700.0	2	$270,000	$135,000
375.0	1	$15,000	$15,000
3850.0	1	$135,000	$135,000
401.71	1	$25,000	$25,000
4150.0	2	$340,000	$170,000
424.01	1	$25,000	$25,000
446.6	1	$25,000	$25,000
452.61	1	$25,000	$25,000
464.0	1	$25,000	$25,000
470.0	1	$25,000	$25,000
487.95	1	$25,000	$25,000
499.6	1	$25,000	$25,000
510.0	1	$35,000	$35,000
512.41	1	$35,000	$35,000
520.25	1	$35,000	$35,000
530.0	1	$35,000	$35,000
539.23	1	$35,000	$35,000
550.0	1	$35,000	$35,000
550.1	1	$35,000	$35,000
555.04	1	$35,000	$35,000
558.78	1	$35,000	$35,000
572.87	1	$35,000	$35,000
578.0	1	$15,000	$15,000
578.36	1	$35,000	$35,000
5818.0	1	$135,000	$135,000
581.99	1	$35,000	$35,000
589.16	2	$70,000	$35,000
600.0	2	$90,000	$45,000
621.1	1	$45,000	$45,000
628.48	1	$45,000	$45,000
630.0	1	$45,000	$45,000
638.41	1	$45,000	$45,000
652.22	1	$45,000	$45,000
670.0	1	$45,000	$45,000
680.0	1	$45,000	$45,000
688.49	1	$45,000	$45,000
700.0	3	$115,000	$38,333
701.35	1	$75,000	$75,000
714.03	1	$55,000	$55,000
715.27	1	$55,000	$55,000
732.13	1	$55,000	$55,000
739.17	1	$55,000	$55,000
741.93	1	$55,000	$55,000
749.0	432	$23,120,000	$53,519
757.77	1	$55,000	$55,000
759.32	1	$55,000	$55,000
767.32	1	$55,000	$55,000
774.81	1	$55,000	$55,000
778.0	1	$55,000	$55,000
785.0	1	$25,000	$25,000
787.83	1	$55,000	$55,000
800.0	1	$15,000	$15,000
813.91	1	$65,000	$65,000
822.38	1	$65,000	$65,000
828.54	1	$65,000	$65,000
830.25	1	$45,000	$45,000
848.0	1	$65,000	$65,000
853.03	1	$65,000	$65,000
855.2	1	$65,000	$65,000
875.0	1	$15,000	$15,000
878.71	1	$65,000	$65,000
887.71	1	$65,000	$65,000
900.0	1	$75,000	$75,000
903.21	1	$15,000	$15,000
911.0	1	$75,000	$75,000
925.24	1	$75,000	$75,000
NA	3,625	$645,755,000	$178,139

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	49	$168,425,000	$3,437,245
Single Family (1-4 Units):Manufactured	653	$36,105,000	$55,291
Single Family (1-4 Units):Site-Built	3,565	$476,265,000	$133,595

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	591	$104,605,000	$176,997	$485	6.39%
40-60%	354	$62,750,000	$177,260	$1,918	5.26%
60-80%	1,013	$231,765,000	$228,791	$1,937	5.06%
80-100%	1,406	$249,800,000	$177,667	$2,463	5.30%
Over 100%	6	$1,180,000	$196,667	$4,848	4.73%
Under 20%	897	$30,695,000	$34,220	$51	6.45%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
CENTERSTATE BANK CORPORATION	Conventional home mortgage	Trouble during payment process	1	50.0%
CENTERSTATE BANK CORPORATION	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Centier Bank	1 N. Pennsylvania Street, Suite 100 Indianapolis, IN 46204	Full Service B&M	$72,233
Centier Bank	1020a Sagamore Park Center West Lafayette, IN 47906	Full Service B&M	$54,107
Centier Bank	103 Broadway Chesterton, IN 46304	Full Service B&M	$116,044
Centier Bank	10315 Dupont Circle Drive West Fort Wayne, IN 46825	Full Service B&M	$76,482
Centier Bank	104 Grant Street Chesterton, IN 46304	Limited, Drive-thru	$0
Centier Bank	108 North Main Street South Bend, IN 46601	Full Service B&M	$3,754
Centier Bank	10851 Broadway Crown Point, IN 46307	Full Service Retail	$19,648
Centier Bank	1121 Sheffield Avenue Dyer, IN 46311	Full Service B&M	$96,968
Centier Bank	11684 Allisonville Road Fishers, IN 46038	Full Service B&M	$7,667
Centier Bank	117 East Joliet Street Crown Point, IN 46307	Full Service B&M	$232,076
Centier Bank	1276 North Main Street Crown Point, IN 46307	Full Service B&M	$60,759
Centier Bank	150 West Lincolnway Valparaiso, IN 46383	Full Service B&M	$145,345
Centier Bank	1500 - 119th Street Whiting, IN 46394	Full Service B&M	$79,071
Centier Bank	1501 South Court Street Crown Point, IN 46307	Full Service B&M	$48,200
Centier Bank	1515 Us Highway 41 Schererville, IN 46375	Full Service Retail	$6,350
Centier Bank	1600 South Calumet Road Chesterton, IN 46304	Full Service B&M	$56,393
Centier Bank	1605 Calumet Avenue Valparaiso, IN 46383	Full Service Retail	$28,846
Centier Bank	1716 Elkhart Rd Goshen, IN 46526	Full Service B&M	$2,160
Centier Bank	1802 North Calumet Avenue Valparaiso, IN 46383	Full Service B&M	$89,131
Centier Bank	1914 East Commercial Avenue Lowell, IN 46356	Full Service B&M	$131,139
Centier Bank	1921 Veterans Memorial Parkway South Lafayette, IN 47909	Full Service B&M	$12,747
Centier Bank	255 East Day Road Mishawaka, IN 46545	Full Service B&M	$24,744
Centier Bank	2635 169th Street Hammond, IN 46323	Full Service Retail	$4,896
Centier Bank	2636 U.S. 52, 1020 A Sagamore Park Centre West Lafayette, IN 47906	Full Service Retail	$4,190
Centier Bank	2707 Laporte Avenue Valparaiso, IN 46383	Full Service B&M	$45,580
Centier Bank	2809 Emerson Drive Elkhart, IN 46514	Full Service B&M	$921
Centier Bank	3002 East State Road 32 Westfield, IN 46074	Full Service B&M	$6,618
Centier Bank	303 Cr 17 Elkhart, IN 46516	Full Service B&M	$12,198
Centier Bank	3198 East 81st Avenue Hobart, IN 46342	Full Service B&M	$32,511
Centier Bank	3220 Willowcreek Road Portage, IN 46368	Full Service B&M	$86,266
Centier Bank	323 Columbia Street, Suite 1a Lafayette, IN 47901	Full Service B&M	$44,017
Centier Bank	3303 Pines Village Circle Valparaiso, IN 46383	Limited, Mobile/Seasonal Office	$0
Centier Bank	360 Morthland Drive Valparaiso, IN 46383	Full Service B&M	$73,283
Centier Bank	3600 North Portage Road South Bend, IN 46628	Full Service Retail	$1,374
Centier Bank	390 West U.S. Highway 6 Valparaiso, IN 46385	Full Service B&M	$40,054
Centier Bank	433 Main Street Hobart, IN 46342	Full Service B&M	$96,941
Centier Bank	4883 Broadway Gary, IN 46409	Full Service B&M	$6,747
Centier Bank	5 Executive Drive Suite A Lafayette, IN 47905	Full Service B&M	$7,145
Centier Bank	50 N Ford Rd Zionsville, IN 46077	Full Service B&M	$17,552
Centier Bank	500 North Broad Street Griffith, IN 46319	Full Service B&M	$84,784
Centier Bank	504 Broadway, Suite 102 Gary, IN 46402	Full Service B&M	$39,597
Centier Bank	5191 West Lincoln Highway Crown Point, IN 46307	Full Service B&M	$74,159
Centier Bank	537 North Oak Road Plymouth, IN 46563	Full Service B&M	$30,056
Centier Bank	5433 Hohman Avenue Hammond, IN 46320	Full Service B&M	$18,116
Centier Bank	568 East Carmel Drive Carmel, IN 46032	Full Service B&M	$70,262
Centier Bank	6001 Broadway Merrillville, IN 46410	Full Service Retail	$14,562
Centier Bank	6046 Central Ave Portage, IN 46368	Full Service Retail	$26,834
Centier Bank	650 South Lake Street Gary, IN 46403	Full Service B&M	$10,509
Centier Bank	6650 Whitestown Pkwy Zionsville, IN 46077	Full Service Retail	$4,354
Centier Bank	7108 Gumwood Road Granger, IN 46530	Full Service B&M	$3,559
Centier Bank	720 West 145th Street East Chicago, IN 46312	Full Service B&M	$11,559
Centier Bank	73 Pine Lake Avenue Laporte, IN 46350	Full Service B&M	$38,351
Centier Bank	7760 E 37th Ave Hobart, IN 46342	Full Service Retail	$20,143
Centier Bank	8020 E. 109th Ave Crown Point, IN 46307	Full Service B&M	$122,624
Centier Bank	8310 Broadway Merrillville, IN 46410	Full Service B&M	$856,067
Centier Bank	9102 Indianapolis Blvd Highland, IN 46322	Full Service B&M	$42,844
Centier Bank	9151 Wicker Avenue Saint John, IN 46373	Full Service B&M	$162,010
Centier Bank	9701 Indianapolis Boulevard Highland, IN 46322	Full Service B&M	$186,703
Centier Bank	9704 Lincoln Plaza Center Cedar Lake, IN 46303	Full Service Retail	$21,118
Centier Bank	9716 Wihte Oak Avenue Munster, IN 46321	Full Service B&M	$58,012
Centier Bank	9825 Wicker Avenue Saint John, IN 46373	Full Service Retail	$21,088

For 2019, Centier Bank had 61 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$202,458
Net interest income	$162,106
Total noninterest income	$47,010
Gross Fiduciary activities income	$4,175
Service charges on deposit accounts	$15,515
Trading account gains and fees	$0
Additional Noninterest Income	$27,320
Pre-tax net operating income	$86,523
Securities gains (or losses, -)	$-415
Income before extraordinary items	$66,001
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$66,001
Minority interest net income	$0
Net income	$66,001
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$66,328

Centier Bank's gross interest income from loans was $202,458,000.
Centier Bank's net interest income from loans was $162,106,000.
Centier Bank's fee based income from loans was $15,515,000.
Centier Bank's net income from loans was $66,001,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$40,352
Provision for credit losses	$5,800
Total noninterest expense	$116,793
Salaries and employee benefits	$64,854
Premises and equipment expense	$18,039
Additional noninterest expense	$33,900
Applicable income taxes	$20,107
Net charge-offs	$2,388
Cash dividends	$11,968

Centier Bank's interest expense for loans was $40,352,000.
Centier Bank's payroll and benefits expense were $64,854,000.
Centier Bank's property, plant and equipment expenses $18,039,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	3.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$3,696,720
Deposits held in domestic offices	$3,696,720
Deposits by Individuals, partnerships, and corporations	$2,959,928
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$586,400
Deposits by Commercial banks and other depository institutions in U.S.	$150,392
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$681,865
Demand deposits	$459,682
Nontransaction accounts	$3,014,855
Money market deposit accounts (MMDAs)	$273,470
Other savings deposits (excluding MMDAs)	$2,038,901
Total time deposits	$702,485
Total time and savings deposits	$3,237,038
Noninterest-bearing deposits	$975,240
Interest-bearing deposits	$2,721,480
Retail deposits	$3,503,308
IRAs and Keogh plan accounts	$93,738
Brokered deposits	$66,046
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$4,694,690
Cash & Balances due from depository institutions	$122,843
Interest-bearing balances	$73,445
Total securities	$442,868
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,951,109
Loan and leases loss allowance	$43,405
Trading account assets	$0
Bank premises and fixed assets	$36,848
Other real estate owned	$7,225
Goodwill and other intangibles	$5,548
All other assets	$128,249

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$4,694,690
Total Liabilities	$4,209,757
Total deposits	$3,696,720
Interest-bearing deposits	$2,721,480
Deposits held in domestic offices	$3,696,720
% insured (estimated)	$67
Federal funds purchased and repurchase agreements	$30,000
Trading liabilities	$0
Other borrowed funds	$415,000
Subordinated debt	$0
All other liabilities	$68,037

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,951,109
Loan and leases loss allowance	$43,405
Total loans and leases (domestic)	$3,994,514
All real estate loans	$2,933,050
Real estate loans in domestic offices	$2,933,050
Construction and development loans	$307,746
Residential 1-4 family construction	$64,449
Other construction, all land development and other land	$243,297
Loans secured by nonfarm nonresidential properties	$1,492,706
Nonfarm nonresidential secured by owner-occupied properties	$338,930
Commercial real estate & other non-farm, non-residential	$1,153,776
Multifamily residential real estate	$407,826
1-4 family residential loans	$723,098
Farmland loans	$1,674
Loans held in foreign offices	$0
Farm loans	$258
Commercial and industrial loans	$227,944
To non-U.S. addressees	$0
Loans to individuals	$371,918
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$5,500
Other loans to individuals	$366,418
All other loans & leases	$461,345
Loans to foreign governments and official institutions	$0
Other loans	$421,095
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$1,353
Non 1-4 family restructured loans & leases	$690
Total loans and leases (foreign)	$0

Centier Bank had $3,951,109,000 of loans outstanding in 2019. $2,933,050,000 of loans were in real estate loans. $307,746,000 of loans were in development loans. $407,826,000 of loans were in multifamily mortgage loans. $723,098,000 of loans were in 1-4 family mortgage loans. $258,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,500,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	744	$174,938	$235,132
Nonfarm, nonresidential loans - <$100k	180	$7,405	$41,139
Nonfarm, nonresidential loans - $100-250k	234	$28,545	$121,987
Nonfarm, nonresidential loans - $250k-1MM	330	$138,988	$421,176
Commercial & Industrial, US addressed loans - <$1MM	702	$60,439	$86,095
Commercial & Industrial, US addressed loans - <$100k	420	$9,746	$23,205
Commercial & Industrial, US addressed loans - $100-250k	135	$14,310	$106,000
Commercial & Industrial, US addressed loans - $250k-1MM	147	$36,383	$247,503
Farmland loans - <$1MM	7	$1,674	$239,143
Farmland loans - <$100k	3	$197	$65,667
Farmland loans - $100-250k	1	$170	$170,000
Farmland loans - $250k-1MM	3	$1,307	$435,667
Agriculture operations loans - <$1MM	3	$258	$86,000
Agriculture operations loans - <$100k	2	$154	$77,000
Agriculture operations loans - $100-250k	1	$104	$104,000