CENTENNIAL BANK

TREZEVANT, TN | Medium | Est. Jan. 1, 1916, midnight | FDIC #8439 | RSSD #531250 | FDIC
Latest Report: 2025-12-31

CENTENNIAL BANK is amn medium FDIC-insured commercial bank headquartered in TREZEVANT, TN, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $852M and total deposits of $752M. Profitability stands at 1.72% ROA and 17.05% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 11.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.79%. FDIC Certificate #8439.

Assets

$852M

Deposits

$752M

Loans

$679M

Equity

$84M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 17.05%
Net Interest Margin (NIM) 4.62%
Yield on Assets 7.10%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.12%
Texas Ratio 0.79%
NPA Ratio 0.09%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 11.55%
Tier 1 Capital 11.55%
Total Capital Ratio 12.80%
Leverage Ratio 10.04%
Loan-to-Deposit 90.29%

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