Centennial Bank
Total assets
$1.06B
▲ +31.0% YoY
Deposits
$940.1M
▲ +32.7% YoY
Loans
$738.0M
▲ +14.0% YoY
Offices
17
F&M BANCSHARES INC
ROA (annualized)
0.98%
peers 1.26%
ROE (annualized)
9.75%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Centennial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +31.0% | +5.5% | +25.6 pts |
| Deposit growth (YoY) | +32.7% | +5.1% | +27.6 pts |
| Loan growth (YoY) | +14.0% | +5.9% | +8.1 pts |
| ROA | 0.98% | 1.26% | -0.3 pts |
| ROE | 9.8% | 12.2% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- F&M BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 5420 Broad St S, Trezevant, TN, 38258
- County
- Carroll
- Offices
- 17
- FDIC cert #
- 8439
- RSSD ID
- 531250
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $940.1M | $738.0M | $109.6M | $5.3M | 0.98% | 3.96% | 0.99% |
| Q1 2026 | $1.06B | $935.6M | $719.3M | $109.6M | $2.8M | 1.04% | 3.96% | 0.43% |
| Q4 2025 | $851.8M | $752.3M | $667.9M | $84.1M | $11.0M | 1.36% | 4.61% | 0.09% |
| Q3 2025 | $835.5M | $731.4M | $661.0M | $85.9M | $7.4M | 1.23% | 4.61% | 0.14% |
| Q2 2025 | $810.5M | $708.5M | $647.2M | $84.2M | $4.7M | 1.20% | 4.60% | 0.14% |
| Q1 2025 | $796.9M | $695.4M | $631.8M | $83.5M | $2.1M | 1.09% | 4.55% | 0.16% |
| Q4 2024 | $764.0M | $664.2M | $628.5M | $82.8M | $11.0M | 1.51% | 4.78% | 0.14% |
| Q3 2024 | $741.9M | $640.7M | $594.8M | $82.2M | $7.1M | 1.31% | 4.78% | 0.18% |
Loan mix (Q2 2026): real estate $519.6M · commercial $92.1M · consumer $33.0M · securities $117.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 59.0% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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