What is Centennial Bank's financial health grade?

Centennial Bank has a TFS Financial Health Grade of C (score: 76.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Centennial Bank have?

Centennial Bank has 14 branch locations across the United States.

Is Centennial Bank FDIC insured?

Yes, Centennial Bank is FDIC insured (Certificate #8439).

What are the total assets of Centennial Bank?

Centennial Bank has total assets of $851.8M as reported in its most recent FDIC filing.

Centennial Bank

BankTrezevant, Tennessee

http://www.mycentennial.bank

Total Assets

$851.8M

Total Deposits

$752.3M

Branches

Established

1916

TFS Health Grade

76.8 / 100

Average financial health

How we grade

Centennial Bank is a bank headquartered in Trezevant, Tennessee, established in 1916. With $851.8M in total assets and 14 branch locations, it has a TFS Financial Health Grade of C (76.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.04%(8%)

Total Capital Ratio

12.80%(10%)

Non-Performing Loan Ratio

0.11%

Profitability

Return on Assets (ROA)

1.36%(1%)

Return on Equity (ROE)

13.13%(10%)

Net Interest Margin

4.61%

Efficiency Ratio

59.55%(60%)

Lending & Liquidity

Total Loans

$679.3M

Loan-to-Deposit Ratio

88.78%

Net Charge-Off Ratio

0.12%

Growth

Asset Growth (YoY)

+11.49%

Deposit Growth (YoY)

+13.27%

Net Income

$11.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Centennial BankHQ	5420 Broad St S	Trezevant	TN	11
Centennial Bank	119 Main Street	Adamsville	TN	11
Centennial Bank	411 W Market St	Bolivar	TN	11
Centennial Bank	1315 W Market St	Bolivar	TN	13
Centennial Bank	657 E Main St	Henderson	TN	23
Centennial Bank	Main And Franklin Streets	Henderson	TN	11
Centennial Bank	2751 N Central Ave	Humboldt	TN	11
Centennial Bank	388 Us Highway 45 W	Humboldt	TN	11
Centennial Bank	16830 Highland Dr	Mc Kenzie	TN	11
Centennial Bank	329 Old Medina St	Medina	TN	11
Centennial Bank	294 S Main St	Middleton	TN	11
Centennial Bank	463 N Trenton St	Rutherford	TN	11
Centennial Bank	35 Kilgore Rd	Toone	TN	13
Centennial Bank	100 W Armory St	Trenton	TN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.