Centennial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centennial Bank of Trezevant, TN against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.92% | 1.34% | -0.42% | 23rd bottom |
| ROAE | 8.99% | 12.40% | -3.41% | 24th bottom |
| Net Interest Margin | 3.92% | 3.83% | +0.09% | 64th above |
| Efficiency Ratio | 64.72% | 57.84% | +6.88% | 30th below |
| PPNR / Avg Assets | 1.32% | — | — | 27th below |
| Yield on Earning Assets | 6.24% | 5.71% | +0.53% | 83rd top |
| Cost of Funds | 2.46% | 2.02% | +0.44% | 23rd bottom |
| Net Interest Spread | 3.25% | — | — | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 1.00% | +0.23% | 27th below |
| NPA / Total Assets | 0.97% | — | — | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.32% | 0.43% | -0.11% | 13th bottom |
| ACL / Total Loans | 1.60% | — | — | 89th top |
| ACL / NPLs (Coverage) | 129.64% | — | — | 39th below |
| Texas Ratio | 9.36% | 5.47% | +3.89% | 19th bottom |
| Provision / NCO | 180.78% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.67% | 14.99% | -2.32% | 36th below |
| Tier 1 Ratio | 12.67% | 15.02% | -2.35% | 35th below |
| Total Capital Ratio | 13.92% | — | — | 38th below |
| Leverage Ratio | 9.82% | 11.11% | -1.29% | 32nd below |
| Equity / Assets | 10.32% | 11.02% | -0.70% | 49th below |
| TCE / Tangible Assets | 9.53% | — | — | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.78% | 86.99% | -7.21% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.31% | 85.57% | +2.74% | 49th below |
| Uninsured Deposit Ratio | 26.20% | 33.19% | -6.99% | 68th above |
| Wholesale Funding Ratio | 0.31% | — | — | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 31.04% | — | — | 95th top |
| Loan Growth (Y/Y) | 13.93% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 32.69% | — | — | 95th top |
See Centennial Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centennial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Centennial Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Centennial Bank peer analysis.