Centennial Bank (Trezevant, TN): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Centennial Bank. Its balance sheet stood at $1.1 billion at June 30, 2026, up 31.0% from a year earlier; it is based in Trezevant, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.26% of loans from 0.17% a year earlier. It grew deposits 32.7% over the year, 6.5 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 2.6 times the median of 3.6% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 13.9% and deposits rose 32.7%. Delinquency has appeared in its $105 million non-owner-occupied commercial real estate book: 5.13% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.46% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Centennial Bank reported a CET1 capital ratio of 12.67%, a return on assets of 0.92%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 9.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5420 Broad St S, Trezevant, TN 38258
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1916
- Former names
- Farmer's & Merchants Bank (1986-2016)
- Offices
- 17 domestic
- Employees (FTE)
- 175
- Domestic deposits
- $940.1M
- Allowance for credit losses
- $12.0M
- Net charge-offs (YTD)
- $692K
- Average total assets
- $1.07B
- Average total loans
- $746.2M
- Average interest-bearing deposits
- $771.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8439
- Fed RSSD
- 531250
- Website
- http://www.mycentennial.bank →
- Parent Holding Company
- F & M BANCSHARES, INC. (RSSD 1135806)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Centennial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Centennial Bank, freeCentennial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Centennial Bank
- The Bank of Jackson, effective March 23, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.67% | 0.92% | 1.23% | 9.36% | 3.92% |
| Q1 2026 | 12.77% | 1.06% | 0.50% | 4.11% | 4.01% |
| Q4 2025 | 11.55% | 1.72% | 0.15% | 0.83% | 4.54% |
| Q3 2025 | 11.94% | 1.30% | 0.23% | 1.20% | 4.55% |
| Q2 2025 | 11.93% | 1.28% | 0.19% | 1.24% | 4.51% |
| Q1 2025 | 12.04% | 1.10% | 0.21% | 1.42% | 4.51% |
| Q4 2024 | 11.99% | 2.08% | 0.29% | 1.19% | 4.76% |
| Q3 2024 | 12.25% | 1.40% | 0.37% | 1.53% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oil Well Branch | Jackson , TN | 38305 | $143.8M |
| Bolivar Branch | Bolivar , TN | 38008 | $140.0M |
| Henderson Branch | Henderson , TN | 38340 | $116.1M |
| Trenton Branch | Trenton , TN | 38382 | $91.0M |
| Centennial Bank (main office) | Trezevant , TN | 38258 | $78.1M |
| Adamsville Branch | Adamsville , TN | 38310 | $68.4M |
| Medina Branch | Medina , TN | 38355 | $64.7M |
| Rutherford Branch | Rutherford , TN | 38369 | $56.8M |
| Mckenzie Branch | Mc Kenzie , TN | 38201 | $49.2M |
| Middleton Branch | Middleton , TN | 38052 | $38.9M |
| Carriage House Branch | Jackson , TN | 38305 | $38.8M |
| Humboldt Branch | Humboldt , TN | 38343 | $38.0M |
| University Parkway Branch | Jackson , TN | 38305 | $16.4M |
| Henderson East Branch | Henderson , TN | 38340 | $0 |
| Three Way Branch | Humboldt , TN | 38343 | $0 |
| Toone Branch | Toone , TN | 38381 | $0 |
| Bolivar West Branch | Bolivar , TN | 38008 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 23, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 2026 | Structure Change | Acquired The Bank of Jackson Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Chester County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2018 | Structure Change | Acquired Merchants & Planters Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Medina Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 2007 | Structure Change | Acquired Citizens City & County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Centennial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TN, rank 43 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 347 applications, 287 loans originated, $67.8M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Centennial Bank
What are Centennial Bank's total assets?
As of the Q2 2026 filing, Centennial Bank reported total assets of $1.06 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Centennial Bank headquartered?
Centennial Bank is headquartered in Trezevant, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Centennial Bank founded?
Centennial Bank was established in 1916, per the FDIC institution directory.
Is Centennial Bank FDIC-insured?
Yes. Centennial Bank is an FDIC-insured commercial bank (FDIC Certificate #8439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centennial Bank?
Centennial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Centennial Bank's CET1 capital ratio?
Centennial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.67% in its Q2 2026 call report, above regulatory requirements.
How many branches does Centennial Bank operate?
Centennial Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centennial Bank's Texas Ratio?
Centennial Bank's Texas Ratio is 9.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Centennial Bank previously called?
The charter now named Centennial Bank has also operated as Farmer's & Merchants Bank (1986-2016), per FDIC structure-change records.
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