Centennial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.12 percentage points lower than in Q1 2026, at 148.43%. Centennial Bank ranks 68th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 79.78% (Q2 2026). Centennial Bank reported 79.78% on loan-to-deposit ratio for Q2 2026, 8.42 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $750.0M |
| Net loans and leases | $738.0M |
| Loans held for sale | $0 |
| Loans to total assets | 70.61% |
| Loan-to-deposit ratio | 79.78% |
| Net loans to equity capital | 6.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.71% |
| Multifamily (5+ residential) | 1.61% |
| Commercial and industrial | 12.28% |
| Consumer | 4.40% |
| Credit cards | 0.00% |
| Farm | 5.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.43% |
| Construction concentration (Tier 1 capital + allowance) | 47.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.18% |
| Interest income on loans | $13.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $549.3M | $596.3M | 23.42% | 10.01% | 5.55% |
| Q4 2023 | $573.6M | $610.3M | 22.64% | 9.98% | 5.34% |
| Q1 2024 | $566.2M | $606.1M | 23.24% | 10.16% | 5.48% |
| Q2 2024 | $584.4M | $629.5M | 22.65% | 9.99% | 5.42% |
| Q3 2024 | $605.6M | $640.7M | 22.97% | 9.52% | 5.26% |
| Q4 2024 | $639.4M | $664.2M | 23.11% | 10.40% | 4.99% |
| Q1 2025 | $643.0M | $695.4M | 23.31% | 11.07% | 4.90% |
| Q2 2025 | $658.3M | $708.5M | 22.51% | 10.89% | 4.83% |
| Q3 2025 | $672.2M | $731.4M | 22.32% | 11.36% | 4.74% |
| Q4 2025 | $679.3M | $752.3M | 22.53% | 12.45% | 4.62% |
| Q1 2026 | $731.5M | $935.6M | 25.93% | 10.97% | 4.47% |
| Q2 2026 | $750.0M | $940.1M | 25.71% | 12.28% | 4.40% |
Centennial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedule RC-C, 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)