BlastPoint's Banking Scorecard

Centennial Bank

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

Designations: ✓ Community bank ✓ CDFI-certified

Trezevant, TN

17 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +32.7% year over year ($940.1M on the books).
Delinquency rate 1.28%.
Return on assets 0.98%.
Efficiency ratio 61.91% vs a 59.73% peer average.
Loan-to-deposit ratio 78.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

Centennial Bank has 1 strength but faces 3 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 0.09% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 56.5% in tier
- Efficiency Ratio 2.18% above tier average
- Delinquency Rate 0.41% above tier average

Get updates when Centennial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.1B +31.0% YoY -0.1% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Bottom 5.9% in tier
Total Loans ?	$738.0M +14.0% YoY +2.6% QoQ	-$1.2B	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Bottom 9.6% in tier
Total Deposits ?	$940.1M +32.7% YoY +0.5% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Bottom 11.6% in tier
Return on Assets ?	0.98% -17.7% YoY -5.6% QoQ	-0.41%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.96% -13.9% YoY -0.1% QoQ	+0.09%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	61.91% +4.0% YoY +5.0% QoQ	+2.18%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	1.28% +626.2% YoY +99.6% QoQ	+0.41%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	78.51% -14.1% YoY +2.1% QoQ	-6.53%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	17.49% -11.6% YoY -3.4% QoQ	-3.78%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.99% +602.9% YoY +127.9% QoQ	+0.32%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	12.67% +6.1% YoY -0.8% QoQ	-2.17%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.30% +10.3% YoY +86.2% QoQ	-0.23%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Noninterest-Bearing	17.5% -2.3pp YoY -0.6pp QoQ	-3.9pp	21.4%	18.8%	22.2%	36%
Brokered Deposits	1.1% -2.3pp YoY 0.0pp QoQ	-8.4pp	9.5%	9.4%	8.5%	20%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	12.5% +1.4pp YoY +1.3pp QoQ	-1.5pp	14.0%	10.9%	12.5%	57%
CRE	35.3% -0.6pp YoY -1.6pp QoQ	-14.7pp	50.0%	42.4%	41.4%	16%
1-4 Family	29.7% +3.5pp YoY +0.4pp QoQ	+3.2pp	26.4%	39.8%	31.3%	65%
Consumer	4.5% -0.4pp YoY -0.1pp QoQ	-0.2pp	4.7%	4.5%	5.0%	80%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	12.7% +0.7pp YoY -0.1pp QoQ	-2.9pp	15.6%	14.8%	19.7%	36%
Leverage Ratio	9.8% -0.7pp YoY -0.1pp QoQ	-1.5pp	11.3%	11.4%	12.6%	32%
Total Capital Ratio	13.9% +0.7pp YoY -0.1pp QoQ	-2.8pp	16.7%	15.9%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	175 +10 (+6.1%) YoY -3 (-1.7%) QoQ	-139	313	270	482	32%
Assets per Employee ($)	$6.1M +23.6% YoY +1.6% QoQ	-$4.4M	$10.5M	$7.1M	$8.8M	12%
Branch Count	17 +3 (+21.4%) YoY 0 QoQ	-3	20	17	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp QoQ	-0.1pp	0.2%	0.2%	0.4%	51%
Nonaccrual	1.3% +1.1pp YoY +0.7pp QoQ	+0.4pp	0.8%	0.7%	1.0%	81%
Allowance Coverage	1.27x -87.0% YoY -52.3% QoQ	-17.44x	18.71x	28.97x	20.23x	32%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	9.8% -1.6pp YoY -0.7pp QoQ	-2.8pp	12.6%	10.9%	11.6%	31%
Cost of Funds (YTD)	2.3% -0.3pp YoY +0.1pp QoQ	+0.4pp	1.9%	2.0%	1.7%	77%
Net Income ($, YTD)	$5.2M +11.1% YoY — QoQ	-$14.0M	$19.2M	$16.7M	$40.4M	13%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Margin Compression

decline

#49 of 85 • Bottom 56.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.98%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

834

Total Assets

size

Value: $1.06B

Peer Median: $2.79B

#834 of 885 Bottom 5.9% in $1B-$10B

801

Total Loans

size

Value: $738.05M

Peer Median: $1.96B

#801 of 885 Bottom 9.6% in $1B-$10B

783

Total Deposits

size

Value: $940.08M

Peer Median: $2.32B

#783 of 885 Bottom 11.6% in $1B-$10B

697

Delinquency Rate

credit_quality

Value: 1.28%

Peer Median: 0.87%

#697 of 882 Bottom 21.1% in $1B-$10B

691

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.67%

#691 of 885 Bottom 22.0% in $1B-$10B