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Your Financial Guides For An Even Better Tomorrow

What matters most to us is you - our Indiana neighbors and local communities, small businesses and commercial enterprises. We are Indiana’s largest private family-owned bank, serving you locally and always by your side.

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CentierGives

We proudly support our local families and businesses throughout the communities of Indiana.

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3,864

Organizations Supported

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$14M+

Community Impact

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105,000+

Hours Volunteered

Banking Options for Every Stage in Life

No matter where you are in your financial journey Centier Bank is here to help be your financial guide.

Where to Begin

Looking to open a checking or savings account? We can help you get started!

Working and Saving

Along with working hard, it's time to also make good savings decisions. We can help you manage and grow your money for those later years.

Starting a Family

Looking to purchase your first home? We are here to help you and the needs of your growing family!

Supporting Our Commercial Partners

Using our Industry Expertise, we help you succeed and grow your business. Discover robust lending options from $1M to $250M+, treasury management solutions, employee services and more!

Essentials for Small Business

We know and love small businesses! Whether you are starting out or operating and growing an existing business, our trusted small business advisors will guide you and be with you through every step along your journey.

Ask a Trust Officer: Retirement Readiness

October 31, 2022

DEAR TRUST OFFICER: I’m old enough to retire, but I’m not sure I’m ready yet. I think I have strong financial resources, but I don’t know if they are enough to make me financially independent for the rest of my life. Retirement seems so terribly uncertain to me. When should I make the jump? STANDING ON THE CUSP

DEAR STANDING: First off, your situation is quite common, your hesitation quite understandable. Many people are working well into their retirement years, longer than they expected to when they began their careers. In some cases, financial necessity is the driver, but in other cases, a few more years of work may result in a retirement that is substantially more comfortable, making luxuries affordable.

Do you get personal satisfaction from your job? Are the daily job stresses outweighed by your sense of accomplishment? If not, do you expect that to change?

Keep in mind that for most retirees, tax obligations go down, sometimes dramatically. So the financial resources that you’ve accumulated may go farther than you realize.

Finally, how is your health? How long did your parents live? That information may help you to estimate your own longevity. What are the things that you hope to do with the rest of your life? How much time might that take?

Sorting through questions such as these may help you to determine the optimal date for beginning your retirement.

(August 2020)

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