$732M
+13.8%y/y
Percentile by value11th percentileby value
FDIC
LNLSGRCB
Centennial Bank
Trezevant, TennesseeFDIC Cert #8439
STATEEstablished 191617 branches
Holding company: F&M BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $84.8M |
| Investor CRE | $105M |
| Multifamily | $14.1M |
| Construction | $61.6M |
| 1–4 family | $211M |
| C&I | $80.2M |
| Agriculture | $64.9M |
| Other | $110M |
Loan book
Reported balances and balance-sheet intensity.
$719M
+13.8%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET+13.85%
+1.3%y/y
Percentile by value81st percentileby value
FDIC
LNLSNET76.9%
−15.4%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET + DEP67.7%
−14.6%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET + ASSET75.53%
+8.9%y/y
Percentile by value27th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
159%
−15.1%y/y
Percentile by value22nd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC54%
−20.5%y/y
Percentile by value56th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,430points
+16.9%y/y
Peer standing91st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD11.59%
+41.7%y/y
Percentile by value41st percentileby value
FDIC
LNRENROW + LNLSGR14.34%
−5.2%y/y
Percentile by value28th percentileby value
FDIC
LNRENROT + LNLSGR10.97%
−0.9%y/y
Percentile by value47th percentileby value
FDIC
LNCI + LNLSGR