Centennial Bank (Trezevant, TN)
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Data as of · sourced from FFIEC call reports. How we update
Centennial Bank is an FDIC-insured commercial bank headquartered in Trezevant, TN, established in 1916 (FDIC certificate 8439), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.06B, up 31.0% from Q2 2025, the 31st largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 12.67% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8439
- Headquarters
- Trezevant, TN
- Established
- 1916
- Total assets, Q2 2026
- $1.06B
- Assets vs Q2 2025
- +31.0%
- CET1 ratio, Q2 2026
- 12.67%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 084302698
- Latest call report
- Q2 2026, FFIEC 051 · Centennial Bank call report
- Holding company
- F & M BANCSHARES, INC.
- Asset rank in state
- 31st of 109 in Tennessee
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Centennial Bank is the 31st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $1.06B, loans rose 2.5% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.2% of total loans, followed by non-owner-occupied commercial real estate loans at 13.9%. The FDIC Summary of Deposits lists 17 offices for it, in 12 cities in TN; its Jackson 3 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Centennial Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 17 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Centennial Bank's total assets ran between $694.3M (Q3 2023) and $1.06B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.06B total assets against $810.5M; $952.5M total liabilities against $726.3M.
$738.0M net loans and leases against $647.2M; $940.1M total deposits against $708.5M.
$117.3M securities against $53.9M; $145.8M cash and balances due against $61.3M.
$15.6M total interest income against $13.3M; $5.8M total interest expense against $4.8M.
$9.8M net interest income against $8.5M.
$1.5M total noninterest income against $1.2M; $7.7M total noninterest expense against $5.9M.
$305K provision for credit losses against $311K.
$2.5M net income against $2.6M.
0.92% return on assets against 1.28%; 3.92% net interest margin against 4.51%.
12.67% CET1 capital ratio against 11.93%; 9.82% tier 1 leverage ratio against 10.52%.
Inside the full Centennial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentennial Bank rankings
Its closest position to the top of a national ranking is 698 of 3,640, for Texas Ratio; its furthest is 2,667 of 3,611, for ROA.
Banks merged into Centennial Bank
- The Bank of Jackson, effective March 23, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q2 2026) to 2.08% (Q4 2024) and its net interest margin ran from 3.92% (Q2 2026) to 4.76% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.67% | 0.92% | 1.26% | 9.36% | 3.92% |
| Q1 2026 | 12.77% | 1.06% | 0.63% | 4.11% | 4.01% |
| Q4 2025 | 11.55% | 1.72% | 0.11% | 0.83% | 4.54% |
| Q3 2025 | 11.94% | 1.30% | 0.17% | 1.20% | 4.55% |
| Q2 2025 | 11.93% | 1.28% | 0.17% | 1.24% | 4.51% |
| Q1 2025 | 12.04% | 1.10% | 0.20% | 1.42% | 4.51% |
| Q4 2024 | 11.99% | 2.08% | 0.17% | 1.19% | 4.76% |
| Q3 2024 | 12.25% | 1.40% | 0.22% | 1.53% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Centennial Bank headquartered?
It is headquartered in Trezevant, TN, United States.
When was Centennial Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Centennial Bank FDIC-insured?
Yes. It 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.
What is Centennial Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 9.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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