This institution is no longer active

Operations ceased on April 30, 2025. CRA examination history below reflects the period it was active.

CENTERBANK

MILFORD, OH · Supervised by FDIC

Est. 2000FDIC #35,117RSSD: FDIC-35117

Part ofCENTERGROUP FINANCIAL INC→ View all charters

Satisfactory Same

Current rating · Exam: September 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Is this bank safe?

CENTERBANK holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.93%).

Institution Profile

FDIC BankFind

Address

744 State Route 28, MILFORD, OH

County

Clermont County

Established

March 15, 2000

Total Assets

$341M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2025Call Report / FDIC

Total Assets

$341M

Total Deposits

$280M

Net Loans

$302M

Net Income

$796K

ROA

0.93%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.72%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.93%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.77%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	156	78.21%	5.77%
2020	541	84.47%	8.32%
2019	333	78.08%	10.51%
2018	318	81.45%	6.29%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2023	Satisfactory	Small Bank
Oct 2017	Satisfactory	Small Bank
Feb 2012	Satisfactory	Small Bank

2 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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