Centennial Bank
Centennial completed a merger involving an acquired institution in March 2026. Capital moved notably last quarter — CET1 ratio of 12.77% was up 122bps from the prior quarter. Centennial Bank is the primary bank subsidiary of its parent holding company, headquartered in Trezevant, TN. The Q1 2026 balance sheet stands at $1.1B in assets, including $732M in loans. Profitability is strong — 1.29% ROA, paired with 11.51% ROE and a 4.89% net interest margin. Capital cushions are healthy: 12.77% CET1, 12.08% Tier 1 leverage. Asset quality is solid — 0.50% nonperforming loans and a 4.11% Texas Ratio. Centennial operates a 17-branch network.
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
- Fed District
- 13
- Established
- January 1, 1916
- Branches
- 17 domestic
- Employees (FTE)
- 178
- FDIC Cert
- 8439
- Fed RSSD
- 531250
- Parent Holding Company
- F & M BANCSHARES, INC. (RSSD 1135806)
Capital & Liquidity
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Centennial Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
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Frequently asked about Centennial Bank
What are Centennial Bank's total assets?
As of the Q1 2026 filing, Centennial Bank reported total assets of $1.06 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 12.77% in its most recent quarterly filing — above regulatory minimums.
How many branches does Centennial Bank operate?
Centennial Bank operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Centennial Bank's Texas Ratio?
Centennial Bank's Texas Ratio is 4.11% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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