# CENTENNIAL BANK
TREZEVANT, TN · FDIC certificate 8439 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (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 | $1.06B | |
| Deposits | $940.1M | |
| Loans and leases | $750.0M | |
| Total equity | $109.6M | |
| Loans / deposits | 78.51% (p29 of band) | 87.10% |
| Liquid assets / assets | 24.77% (p63 of band) | |
| Uninsured deposits / deposits | 26.20% (p33 of band) | 30.76% |
| Brokered deposits | 0.96% | |
| Wholesale funding | 1.27% (p24 of band) | |
| FHLB advances / assets | 0.31% | |
| Tier 1 leverage | 9.82% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -4.26% (p67 of band) | -7.75% |
| AOCI / equity | -0.89% (p21 of band) | |
| ROA (annualized) | 0.98% (p30 of band) | 1.26% |
| Net interest margin | 3.96% (p65 of band) | 3.70% |
| Efficiency ratio | 61.91% (p60 of band) | |
| Noncurrent loans | 1.26% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.13% (p79 of band) | |
| Reserve coverage of noncurrent | 126.64% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 50.55% (p54 of band) | |
| Auto loans | $15.0M (2.00% of loans; DQ 2.70%, NCO 0.01%) | |
| Loans to nondepository financials | $59.3M (54% of equity) (p97 of band) | |
| Deposits YoY | 32.7% | |
| Employees | 175 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | liquid assets <10% |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-09 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | loans-to-lenders >50% equity, liquid assets <10% |
| 2013-06 | 3 | loans exceed deposits, liquid assets <10%, loans-to-lenders >50% equity |  |
| 2013-09 | 3 | charge-offs p90 | loans exceed deposits |
| 2013-12 | 0 |  | liquid assets <10%, loans-to-lenders >50% equity, charge-offs p90 |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 3 | loans exceed deposits, liquid assets <10%, loans-to-lenders >50% equity | capital falling |
| 2014-09 | 4 | charge-offs p90 |  |
| 2014-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2015-03 | 1 | liquid assets <10% | loans-to-lenders >50% equity, charge-offs p90 |
| 2015-06 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 | capital falling | loans exceed deposits |
| 2016-03 | 0 |  | liquid assets <10%, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2019-06 | 4 | charge-offs p90, loans-to-lenders >50% equity |  |
| 2019-09 | 2 |  | noncurrent p90, loans-to-lenders >50% equity |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 3 | capital falling, loans-to-lenders >50% equity |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 1 |  | capital falling, charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | charge-offs p90 | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking, charge-offs p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-04-07 [Centennial Bank enters Nashville market through $150M acquisition - Nashville Post](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOaTB4dkFVa1dUY1pubUplaDk2eG1RMXFjYnpyOEp2NlRUSkxuQUVKcGNjc19PZ2NJNmpyako1QnR2ZWl2OHlfbTl2OVZzRTVHeXRzWWJ2TzBGcXJEdEhySGRkNHdFcWYxZUdvc0ljRHRlVUhJazkwZXg4WUtaQ044LWJkcm95OEhnaFByZHU2alduRjJ4MTlrZUs5dHd1bENwUTNDdGlYaGxqYzI4NGNHN25HcUNuREdLQlRpR1ZvYkh3b0dVaFFLNHc5LWFCb3pvSFBROUxJZGpKblIyMV9CZUlVX1NQdUdj?oc=5) · Nashville Post
- 2025-12-08 [Home BancShares, Inc. announces purchase of Tennessee bank - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeHFFTWJZbEh3bWNjenNjd1p4SVk2Q1dzdDQ5TGdaN1lOUThsLUZBSzlqQlhUWEVTbnJBTUo0Q21nRmxuQ1IwbUg4cnV1NHRoX0pFbHp0RWw3eDBINFVDQ2kwUlJIY09JWUtZQ1NGazM2Z3FGemlfU1VRTlk2V0pNZnQ3SmVlUFFIVERMZGRQYUNOdkRm?oc=5) · The Arkansas Democrat-Gazette
- 2025-12-08 [Arkansas bank to broach Tennessee in $150.1M deal - Banking Dive](https://news.google.com/rss/articles/CBMizgFBVV95cUxQNzhhX2Nia0l0UEF2YnBLaUw4QURCMEFLY2wzaWpGd0dYMzF0anp0SXlwNTlTaW1WZE8wRUJBN3VhalJHSkNsLUFlYkQzdkZSajhJUFJWQ2hoMlRCR3N2QTN6MEh2U0JQVUw2YnRhLUxoa1NXSDFMYXNHZlM0LUI5LXdUTVRXZ3NsOTVmbzI4dk1kNjhCUHVmeExKMzl3dmpQUVNtbjN3cUtULUFWOXBSbWhZdkFLZFdBZS1Nb0kwNWE4YXhYX3BZZG0xZUdzdw?oc=5) · Banking Dive
- 2025-12-09 [Home BancShares Acquires Mountain Commerce Bank of Tennessee - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiekFVX3lxTE5pdldzaU51dl9ZSmhHb0tLeVBYZkU4Q0ZyWnhtRGRKcEllalZNVDNRTm9zeXc1U09ranB6WWdmcy1KY1dsLWtZTHZVLU9qRXJpdHQ0T3VYR2lnbmNsclFsdDJOYVNtQXR0SktSaGY1N3lscmlnck5WSW9n?oc=5) · Arkansas Money &amp; Politics
- 2026-06-01 [Centennial Bank promotes two to lead Mountain Home branch - Mountain Home Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxNU05oSXZ6cXYxeDVpc19LU292Sk9ydGhYb2wyeFFscDA4bVNWdU9FWktFQzJicDBGZlN0RDE3Z1dVLTYyS1dMM0lwZUxSU0tQMlZzQjNaeVZ4cWR4cWJ0VHFWd1czUEU0S1l6Y29hY1hlUWtpd2tnT1RyS0Z1NGdhZ1U3ZEFKZDg?oc=5) · Mountain Home Observer
- 2026-04-15 [Centennial Bank's parent company announces key acquisition - Panama City News Herald](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQZU1TUlRJZm5VMGhRamdiT2JYSnIxNnU5aHdVLVl2UlM4MEdIUnZCcmJiOGZDdG1BRnFkVGFxcGNfSlBQdVFWbzBIMzhHRngtdGtOa2o3RHBsc25hX1ctRHhVT0RYakM0cDZ6N0x6aUp5cmNIZk5rTVp5T1NtNnpyRXJuZVFmZGFSQmdsMWk4SHEwdTUxVFlYTWxndUZaZ191T0t2MTJyemQxNFlzNGJmbmtTY3V3ek9KSk9wS0FvT21faXRNUTJ5ZkJkZTlOdkJfb0lhcDJhNDU4M3JQUW5WSWliZjRRNDcteHc?oc=5) · Panama City News Herald
- 2025-12-08 [Home BancShares enters Tennessee market with $150 million acquisition - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNERIOEdEZlBZcG5QZmpyUTRjY1RyZ2ViaWk0RXN2WDRBNHkyV3IzUFJoZmh6b2NjRXp5MW5UR1RqRElOYWtTR082cGczOWVpYUxJd2x5bTZyRVZyc2Q0TFRBanpTNXdMM2RWYkdUT0k0V29wZ21YTjZ4MWhWR0V2Yng2SnBDX1o0UmZtd21KRkY0NlVfT0laZDJBT3luMi1sQjdDUw?oc=5) · Talk Business &amp; Politics
- 2026-02-09 [Home BancShares’ Capital Discipline Opens the Door to Expansion - Arkansas Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxNLV8xdUlOd3lDQW5kRW1zUnBoczdRZ1d5dkt4U2dyVUxmZjQ2d1VzdEhLSW9kTXpIOTY2cWU5RDAtVFpibWtkdGdLT2djTjN2dm9pcWQ1a2pJNUZVVzJBZXBYY08xV1EtTEY5MEZMNTF0OUhESzQ2dWl1clZZdHFqeGhDcVIzMHNQNVgzcDREeW5WbFprZmU0VzF3?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8439 (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/55.json (key "8439", 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