Bank Comparison
Centennial Bank vs Thread Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| CET1 Ratio | 12.77% | 24.89% |
| Tier 1 Capital Ratio | 12.77% | 24.89% |
| Total Capital Ratio | 14.02% | 25.97% |
| Tier 1 Leverage Ratio | 12.08% | 9.81% |
| Equity / Assets | 10.31% | 9.00% |
Profitability
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 0.60% |
| Return on Equity (ROE) | 11.51% | 6.55% |
| Net Interest Margin (NIM) | 4.89% | 2.85% |
| Yield on Earning Assets | 7.60% | 5.37% |
| Cost of Funds | 2.57% | 2.79% |
Asset quality
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| Texas Ratio | 4.11% | 0.85% |
| Non-Performing Loan Ratio | 0.50% | 0.22% |
| Non-Performing Asset Ratio | 0.35% | 0.08% |
| Net Charge-Off Ratio | 0.06% | 0.68% |
| ACL / Loans | 1.67% | 1.17% |
Balance sheet
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| Total Assets | $1,062M | $1,038M |
| Total Deposits | $935,608K | $932,663K |
| Total Loans | $731,546K | $371,127K |
| Total Equity | $109,642K | $93,455K |
| Net Income (quarter) | $2,787K | $1,531K |
Liquidity & funding
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.19% | 39.79% |
| Core Deposit Ratio | 89.49% | 99.18% |
| Uninsured Deposit Ratio | 25.74% | — |
Identity
| Metric | Centennial Bank | Thread Bank |
|---|---|---|
| Headquarters City | TREZEVANT | ROGERSVILLE |
| Headquarters State | TN | TN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 3 |
| Employees (FTE) | 178 | 111 |
| Established | Jan. 1, 1916, midnight | April 1, 1906, 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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