Banks CENTENNIAL BANK

CENTENNIAL BANK

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

CENTENNIAL BANK is an 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%. CET1 capital ratio: 11.55%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.79%.

Assets
$852M
Deposits
$752M
Loans
$679M
Equity
$84M

Profitability

Return on Assets (ROA)1.72%
Return on Equity (ROE)17.05%
Net Interest Margin4.62%
Yield on Assets7.10%
Cost of Funds2.57%

Asset Quality

NPL Ratio0.11%
Net Charge-Off Ratio0.12%
Texas Ratio0.79%
NPA Ratio0.09%
ACL / Loans1.68%

Capital & Liquidity

CET1 Ratio11.55%
Tier 1 Capital11.55%
Total Capital Ratio12.80%
Leverage Ratio10.04%
Loan-to-Deposit90.29%

This is just the summary.

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