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Centennial Bank
Trezevant, TN · FDIC Certificate #8439 · Chartered 01/0
Total assets
$1.06B
Total deposits
$940.08M
Total equity
$109.60M
Net loans
$738.05M
Branches (offices)
17
Net income (YTD)
$5.25M
Rank: #993 of 4,213 U.S. banks by assets · #31 of 109 in Tennessee. Assets changed 31.0% and deposits 32.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.75% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 10.32% |
| Tier 1 leverage ratio | 9.82% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 70.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $519.59M | 70.4% | |
| Commercial & industrial | $92.13M | 12.5% | |
| Consumer / individual | $33.02M | 4.5% | |
| Construction & development | $55.41M | 7.5% | |
| Agricultural | $31.00M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $681.76M | $604.53M | $2.73M | $69.11M |
| Jun 2023 | $675.11M | $572.04M | $5.40M | $73.80M |
| Jun 2024 | $728.22M | $629.50M | $4.48M | $80.19M |
| Jun 2025 | $810.53M | $708.47M | $4.72M | $84.19M |
| Jun 2026 | $1.06B | $940.08M | $5.25M | $109.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $940.08M | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $940.08M.
Similar-sized banks
United Bank Of Michigan ($1.06B) · Great Midwest Bank, S.S.B. ($1.06B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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