Centennial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Equity capital to average assets edged down by 0.19 percentage points, from 10.46% to 10.26%, the largest move among the key lines here. Within Tennessee, Centennial Bank is 45th of 71 on CET1 ratio, 12.67% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Centennial Bank sits 0.83 points lower, at 12.67% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.92% |
| Tier 1 leverage ratio | 9.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $104.0M |
| Tier 1 capital | $104.0M |
| Total risk-based capital | $114.3M |
| Total equity capital | $109.6M |
| Risk-weighted assets | $821.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.32% |
| Tangible equity to tangible assets | 9.53% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 1.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $84.8M |
| Retained earnings | $28.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.65% | 12.65% | 13.91% | 11.61% | $620.4M |
| Q4 2023 | 12.30% | 12.30% | 13.56% | 11.40% | $646.9M |
| Q1 2024 | 12.60% | 12.60% | 13.86% | 11.39% | $633.2M |
| Q2 2024 | 12.70% | 12.70% | 13.95% | 11.25% | $634.8M |
| Q3 2024 | 12.25% | 12.25% | 13.50% | 11.05% | $665.4M |
| Q4 2024 | 11.99% | 11.99% | 13.24% | 11.07% | $694.9M |
| Q1 2025 | 12.04% | 12.04% | 13.30% | 10.82% | $695.1M |
| Q2 2025 | 11.93% | 11.93% | 13.19% | 10.52% | $708.8M |
| Q3 2025 | 11.94% | 11.94% | 13.19% | 10.39% | $716.5M |
| Q4 2025 | 11.55% | 11.55% | 12.80% | 10.04% | $727.7M |
| Q1 2026 | 12.77% | 12.77% | 14.02% | 9.92% | $807.5M |
| Q2 2026 | 12.67% | 12.67% | 13.92% | 9.82% | $821.0M |
Centennial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Centennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8439) · FFIEC NIC profile (RSSD 531250)