Centier Bank
Headquartered in WHITING, IN. Analysis based on 369 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $105.3M.
Total 7(a) loans
369
Total approved
$105.3M
Average loan
$285K
States funded in
5
Charge-off rate
2.69%
FY2020–FY2023 cohort
Paid-in-full rate
26.92%
Average rate
7.49%
Average term
122 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 21 |
| 722513 | Limited-Service Restaurants | 20 |
| 484110 | General Freight Trucking, Local | 17 |
| 812112 | Beauty Salons | 13 |
| 713940 | Fitness and Recreational Sports Centers | 10 |
| 561730 | Landscaping Services | 8 |
| 812199 | Other Personal Care Services | 7 |
| 561720 | Janitorial Services | 7 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 7 |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 7 |
Top 10 states
| State | Loans |
|---|---|
| IN | 356 |
| IL | 7 |
| MI | 4 |
| PA | 1 |
| DE | 1 |
Top franchise brands financed
48 franchise loans across 23 distinct brands.
| Franchise | Loans |
|---|---|
| Dairy Queen Montana / North Da | 8 |
| The UPS Store (f/k/a Mail Box | 6 |
| Midas | 5 |
| Parlor Doughnuts | 3 |
| Crumbl | 2 |
| Anytime Fitness | 2 |
| Board & Brush Creative Studios | 2 |
| Minuteman Press | 2 |
| Cereset | 2 |
| Bombers BBQ | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.