Headquartered in Trezevant, Tennessee, Centennial Bank is a state-chartered bank with $1.1B in total assets and $940.1M in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1916.
Based on its Q2 2026 filing, Centennial Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 92nd. Its strongest component is problem-loan coverage (83/100; 8.6%), and its lowest is capital cushion (48/100; 9.82%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (74 → 59), mostly because the loan quality component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 67 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.25% |
| Q3 2024 | 11.05% |
| Q4 2024 | 11.07% |
| Q1 2025 | 10.82% |
| Q2 2025 | 10.52% |
| Q3 2025 | 10.39% |
| Q4 2025 | 10.04% |
| Q1 2026 | 9.92% |
| Q2 2026 | 9.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.63% |
| Q2 2026 | 1.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.31% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.04% |
| Q2 2026 | 0.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $1.1B | 9.82% | 1.26% | 0.98% | 78.5% |
| Q1 2026 | 67 | $1.1B | 9.92% | 0.63% | 1.04% | 76.9% |
| Q4 2025 | 74 | $851.8M | 10.04% | 0.11% | 1.36% | 88.8% |
| Q3 2025 | 74 | $835.5M | 10.39% | 0.17% | 1.23% | 90.4% |
| Q2 2025 | 74 | $810.5M | 10.52% | 0.17% | 1.20% | 91.3% |
| Q1 2025 | 74 | $796.9M | 10.82% | 0.20% | 1.09% | 90.9% |
| Q4 2024 | 77 | $764.0M | 11.07% | 0.17% | 1.51% | 94.6% |
| Q3 2024 | 76 | $741.9M | 11.05% | 0.22% | 1.31% | 92.8% |
| Q2 2024 | 76 | $728.2M | 11.25% | 0.22% | 1.26% | 91.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| InsBankBank Nashville, TN | 68 out of 100, Moderate | $1.1B | 10.2% | 0.24% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Thread BankBank Rogersville, TN | 71 out of 100, Strong | $1.1B | 9.8% | 0.18% | vs |
| First Federal BankBank Dickson, TN | 71 out of 100, Strong | $1.1B | 10.5% | 0.52% | vs |
| Financial Federal BankBank Memphis, TN | 67 out of 100, Moderate | $1.1B | 9.9% | 0.05% | vs |
| The Bank of Fayette CountyBank Piperton, TN | 58 out of 100, Moderate | $1.1B | 9.6% | 1.09% | vs |
Deposit insurance
Is my money safe at Centennial Bank?
Yes. Centennial Bank is an FDIC-insured institution (FDIC certificate #8439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.2% of deposits ($246.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.92% (benchmark: 10%).
17 locations
Branches
Centennial Bank lists 14 offices in 11 cities. Most locations:
- Jackson, TN (3)
- Humboldt, TN (2)
- Adamsville, TN (1)
- Bolivar, TN (1)
- Henderson, TN (1)
- Mc Kenzie, TN (1)
- Medina, TN (1)
- Middleton, TN (1)
- Rutherford, TN (1)
- Trenton, TN (1)
- Trezevant, TN (1)
HMDA 2025
Mortgage lending
In 2025, Centennial Bank reported 347 home-loan applications under HMDA (LEI 549300YR7U7TZTQ1GH77): 287 originated ($67,755,000 total), 21 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Centennial Bank
- Former names
- Farmer's & Merchants Bank; Farmer's and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8439
- RSSD ID
- 531250
- Primary regulator
- FDIC
- Holding company
- F&m Bancshares Inc
- Established
- January 1, 1916
- Headquarters
- 5420 Broad St S, Trezevant, TN 38258
- Website
- www.mycentennial.bank
- Employees
- 175
Quick answers
Centennial Bank: common questions
Is Centennial Bank FDIC insured?
Yes. Centennial Bank is an FDIC-insured institution (FDIC certificate #8439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Centennial Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Centennial Bank ever failed?
There is no failure record for FDIC certificate #8439 in the FDIC failed bank list.
How many branches does Centennial Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Trezevant
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| Holley Credit UnionCredit union Paris, TN | 85 out of 100, Very strong | $105.3M | 13.8% | 0.51% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |