# CENTENNIAL BANK
FOUNTAIN VALLEY, CA · FDIC certificate 32707 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $529.3M | |
| Deposits | $340.7M | |
| Loans and leases | $413.0M | |
| Total equity | $103.6M | |
| Loans / deposits | 117.85% (p99 of band) | 74.76% |
| Liquid assets / assets | 20.64% (p23 of band) | |
| Uninsured deposits / deposits | 1.12% (p1 of band) | 16.74% |
| Brokered deposits | 3.42% | |
| Wholesale funding | 18.94% (p92 of band) | |
| FHLB advances / assets | 15.52% | |
| Tier 1 leverage | 19.48% (p98 of band) | 9.77% |
| Unrealized securities loss / equity | 0.54% (p20 of band) | 2.98% |
| AOCI / equity | 0.04% (p88 of band) | |
| ROA (annualized) | 1.29% (p80 of band) | 0.80% |
| Net interest margin | 3.25% (p33 of band) | 3.52% |
| Efficiency ratio | 24.69% (p1 of band) | |
| Noncurrent loans | 17.16% (p99 of band) | 1.55% |
| Net charge-offs (annualized) | 0.76% (p93 of band) | |
| Reserve coverage of noncurrent | 16.24% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -28.5% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | brokered >10% |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 8 | charge-offs p90 |  |
| 2012-09 | 8 |  |  |
| 2012-12 | 7 |  | uninsured deposits leaving |
| 2013-03 | 8 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-03 [Home BancShares, Inc. and Centennial Bank Mourn the Passing of Tracy French - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxPR3NNNy10V1p0cy1BM0VXNjFDUnVYVmZhSld0cEROWE1wM3RvM3RYX2JhRkJHcjgzN2ZzazhXNzRMZUJJdFZPcUxsT3FjT1ZEd21PRS0zd0k3UVUzZmVDZnNDcjR3Mm5VYTB6em02SXcyNFpoRWJwYXY0ZnEwZmQxckRvLUxFZDlBUkk3cTVsY0Q2WU9lXzMyZTZFWlRaQnlRMFE?oc=5) · Yahoo Finance
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-27 [Mortgage Monday with Centennial Bank - KATV](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbmZtcU9QWFB0bmptM3hoQWFtMlg2WlFoZUJHaEtHaHJIZk03a2MwV0tyTGdtVnVBMVpuWkVuVjhnY3pfLUxYRllqUVB6N0otWG14dllfZmRnT2E1dVRXdFE0LWZ1eTNuSDFhY044UTViUjRzakN0cEF2aHQ5dWlmQ2diTG5VV3l3MjNJa3I5UUhMQmpHV3RuTWVWVFc?oc=5) · KATV
- 2024-01-05 [News | Why This Bank Wants To Keep, and Lease Up, a Southern California Office Building - costar.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOd0tPVVg5UGJzdWlXVEJCTEt5MnJ5RlBGRkJsMWFKeWpNNGx4bWNFM2tlcG5ZYnFNQ2NYTGRzNmNwZHVJd3BYSnFVM1hXSjdjZnFhbU15VndzdHg4VmJreVQ1d3M4eC1Vc2RUbEktRzVFcXBVTHJ6MTNlWVNDak9yVVgyZnk1eG9lNTdfSko1YjhEYVduZlNyZER4VU1oVm8xRmZ2WXRYd3d0Q1NZV19RRnlBTHV6dzR5QVVz?oc=5) · costar.com
- 2026-04-07 [Centennial Bank enters Nashville market through $150M acquisition - Nashville Post](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOaTB4dkFVa1dUY1pubUplaDk2eG1RMXFjYnpyOEp2NlRUSkxuQUVKcGNjc19PZ2NJNmpyako1QnR2ZWl2OHlfbTl2OVZzRTVHeXRzWWJ2TzBGcXJEdEhySGRkNHdFcWYxZUdvc0ljRHRlVUhJazkwZXg4WUtaQ044LWJkcm95OEhnaFByZHU2alduRjJ4MTlrZUs5dHd1bENwUTNDdGlYaGxqYzI4NGNHN25HcUNuREdLQlRpR1ZvYkh3b0dVaFFLNHc5LWFCb3pvSFBROUxJZGpKblIyMV9CZUlVX1NQdUdj?oc=5) · Nashville Post
- 2025-06-24 [Centennial Bank Provides $117M Construction Loan for Multifamily Project in West Palm Beach - REBusinessOnline](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUzQ2QTFRUUR5aENobmdOdmVNV09US1Z6eGw0cF9UczVkc0VzOHBhWTZaWlRwZEhwU3IwZ1lFMThCZml3aFFRS1JGQmxiZEZLRHVXRnRiblowUENjMGJJQlpEWkExTTZiamEyZjJJakVXdGFVal9PSGFjNURfSzdUTWdXaVJMRGcxejJ5dVA3VkN1V3JocktKNVBkdWk0d0dBQUlmQU01dnk0VzRlVS13Q202Y2NrNmtuc0FTcA?oc=5) · REBusinessOnline
- 2022-05-24 [David Druey: Leading acquisition-minded Centennial Bank for region - Miami Today](https://news.google.com/rss/articles/CBMirAFBVV95cUxQcFNPX3EzTVZfZG9MbkU0d3NkTDVzV0J2aEFQNEtMYy1zbXZETl9jemZwdTFDNUxTOF9VWWNpWWU3d1RETHBxZmZKRDVoMjVRaGIyZGwtblRKaWdwMWgwNDd2eWRqS1NCUFh2SWhoZFgzeVBHVHFPVTh0dWRDOHVYV1dfRVV1LU1qYUc5VUdoU3QzQS1zZmx6THcwVXZLakhRc1ZvUy02eVVJR0lC?oc=5) · Miami Today
- 2021-09-15 [Centennial Bank parent company to acquire Happy State Bank - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxNM1NuVG01cFpzT1JDZHlycDd4SGRnMW13VmlSUHA5ZnNlQ3JrRWJCQ1pEMUlheUFVdGF4QUxOWTJ0ZEc3cm1qSHZsdERaUGhWME1ZQlJaQXlycEMxc1JSVGlKMmVFTnpjVFlVbnVQdnpBd0RPZlIwR3RWZV9DWnpscnJhWEFSTWVOOXNadVVDcDZCWDNlYkl0Qk5ZeGIyZEJOX092VzJhTFpQQjJDUkFUcjUwWG1haVJoREE?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32707 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "32707", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide