Centennial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 138.79 percentage points in Q2 2026, from 265.43% to 126.64%. It was the largest change from Q1 2026 among the key lines here. Centennial Bank ranks 74th of 109 Tennessee banks on return on assets, in the lower half at 0.92% (Q2 2026). Centennial Bank reported 0.92% on return on assets for Q2 2026, 0.35 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.92% |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 10.32% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.32% |
| Texas ratio | 9.36% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 126.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.92% |
| Return on equity | 8.99% |
| Net interest margin | 3.92% |
| Efficiency ratio | 64.72% |
| Yield on earning assets | 6.24% |
| Cost of funds | 2.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.78% |
| Core deposits to total deposits | 88.31% |
| Brokered deposits to total deposits | 1.08% |
| Deposits to assets | 88.51% |
| Securities to assets | 11.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.65% | 12.65% | 13.91% | 11.61% | 3.81% |
| Q4 2023 | 12.30% | 12.30% | 13.56% | 11.40% | 1.81% |
| Q1 2024 | 12.60% | 12.60% | 13.86% | 11.39% | 1.10% |
| Q2 2024 | 12.70% | 12.70% | 13.95% | 11.25% | 1.41% |
| Q3 2024 | 12.25% | 12.25% | 13.50% | 11.05% | 1.40% |
| Q4 2024 | 11.99% | 11.99% | 13.24% | 11.07% | 2.08% |
| Q1 2025 | 12.04% | 12.04% | 13.30% | 10.82% | 1.10% |
| Q2 2025 | 11.93% | 11.93% | 13.19% | 10.52% | 1.28% |
| Q3 2025 | 11.94% | 11.94% | 13.19% | 10.39% | 1.30% |
| Q4 2025 | 11.55% | 11.55% | 12.80% | 10.04% | 1.72% |
| Q1 2026 | 12.77% | 12.77% | 14.02% | 9.92% | 1.06% |
| Q2 2026 | 12.67% | 12.67% | 13.92% | 9.82% | 0.92% |
Centennial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)