Centennial Bank: how it compares with its peers
Against 41 TN banks with half to twice its assets, Centennial Bank's strongest measure in Q2 2026 is net interest margin (3.96% vs. a 3.89% peer median). Its weakest relative measure is return on assets (0.98% vs. 1.27%).
| Measure | Centennial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.27% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.89% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.91% | 57.93% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $7.0M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.51% | 81.82% | Context |
What it means for lending operations
Its efficiency ratio of 61.91% is above the 57.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- InsBank Nashville, TN · $1.08B
- Commercial Bank & Trust Co. Paris, TN · $1.08B
- Thread Bank Rogersville, TN · $1.11B
- First Federal Bank Dickson, TN · $1.11B
- Financial Federal Bank Memphis, TN · $1.12B
- Tennessee State Bank Pigeon Forge, TN · $991M
Questions about Centennial Bank
How big is Centennial Bank?
Centennial Bank, established in 1916, is headquartered in Trezevant, TN. It reported $1.06B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Centennial Bank's return on assets?
0.98% annualized in Q2 2026, against a 1.27% median for 41 TN banks with half to twice its assets, ahead of 27% of them.
What is Centennial Bank's efficiency ratio?
61.91% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 57.93%, and lower is better.
Is Centennial Bank growing its loans?
Net loans grew 14.0% over the year to Q2 2026, while deposits grew 32.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.