Bank Comparison
Centennial Bank vs Bnc National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| CET1 Ratio | 12.77% | 14.22% |
| Tier 1 Capital Ratio | 12.77% | 14.22% |
| Total Capital Ratio | 14.02% | 15.24% |
| Tier 1 Leverage Ratio | 12.08% | 11.28% |
| Equity / Assets | 10.31% | 11.10% |
Profitability
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 1.03% |
| Return on Equity (ROE) | 11.51% | 9.68% |
| Net Interest Margin (NIM) | 4.89% | 3.56% |
| Yield on Earning Assets | 7.60% | 5.26% |
| Cost of Funds | 2.57% | 1.88% |
Asset quality
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| Texas Ratio | 4.11% | 5.37% |
| Non-Performing Loan Ratio | 0.50% | 0.92% |
| Non-Performing Asset Ratio | 0.35% | 0.64% |
| Net Charge-Off Ratio | 0.06% | 1.11% |
| ACL / Loans | 1.67% | 1.18% |
Balance sheet
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| Total Assets | $1,062M | $1,061M |
| Total Deposits | $935,608K | $938,240K |
| Total Loans | $731,546K | $734,622K |
| Total Equity | $109,642K | $117,805K |
| Net Income (quarter) | $2,787K | $2,817K |
Liquidity & funding
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.19% | 78.30% |
| Core Deposit Ratio | 89.49% | 97.28% |
| Uninsured Deposit Ratio | 25.74% | — |
Identity
| Metric | Centennial Bank | Bnc National Bank |
|---|---|---|
| Headquarters City | TREZEVANT | GLENDALE |
| Headquarters State | TN | AZ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 22973 |
| Regulator | FDIC | OCC |
| Domestic Branches | 17 | 12 |
| Employees (FTE) | 178 | 125 |
| Established | Jan. 1, 1916, midnight | Jan. 22, 1996, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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