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Centennial Bank

$1B-$10B Specialty: Commercial TN FDIC cert 8439

Designations: ✓ Community bank ✓ CDFI-certified

Trezevant, TN

17 branches across TN

884 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Centennial Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.14% above tier average
  • + Efficiency Ratio 2.08% below tier average
  • + Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 77.8% in tier
  • - ROA 0.32% below tier average
Get updates when Centennial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.1B
+33.4% YoY +24.8% QoQ
-$1.8B $2.8B
-0.1% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
Bottom 6.7% in tier
Total Loans ? $719.3M
+13.8% YoY +7.7% QoQ
-$1.2B $2.0B
+0.6% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
Bottom 8.8% in tier
Total Deposits ? $935.6M
+34.5% YoY +24.4% QoQ
-$1.4B $2.3B
-0.3% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
Bottom 10.2% in tier
Return on Assets ? 1.04%
-4.6% YoY -23.4% QoQ
-0.32% 1.37%
+19.6% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
36%
Net Interest Margin ? 3.96%
-13.0% YoY -14.1% QoQ
+0.14% 3.82%
+6.9% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
69%
Efficiency Ratio ? 58.98%
-3.7% YoY -1.0% QoQ
-2.08% 61.06%
-4.6% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.64%
+214.7% YoY +453.5% QoQ
-0.25% 0.89%
+14.1% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
44%
Loan-to-Deposit Ratio ? 76.88%
-15.4% YoY -13.4% QoQ
-7.32% 84.20%
+0.3% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
72%
Non-Interest-Bearing Deposit Share ? 18.10%
-13.2% YoY -15.0% QoQ
-3.19% 21.29%
-2.5% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
41%
Nonperforming Asset Ratio ? 0.43%
+168.6% YoY +377.7% QoQ
-0.24% 0.67%
+15.6% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
49%
Tier 1 Capital Ratio ? 12.77%
+6.0% YoY +10.6% QoQ
-2.39% 15.16%
+2.0% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.16%
+34.7% YoY -72.1% QoQ
-0.10% 0.26%
+1.6% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
57%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#29 of 36 • Bottom 77.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.10%
(Tier: 21.29%, National: 22.01%)
worse than tier avg
36 of 36 Mid-Market banks match · 238 nationally
↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

826
Total Assets
size
Value: $1.06B
Peer Median: $2.82B
#826 of 884 Bottom 6.7% in $1B-$10B
807
Total Loans
size
Value: $719.30M
Peer Median: $1.96B
#807 of 884 Bottom 8.8% in $1B-$10B
795
Total Deposits
size
Value: $935.61M
Peer Median: $2.34B
#795 of 884 Bottom 10.2% in $1B-$10B
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