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BDI
CB

Centennial Bank

Trezevant, TennesseeFDIC Cert #8439

STATEEstablished 191617 branches

Holding company: F&M BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.04%
−4.6%y/y
Peer standing32nd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC + ROA
ROE
10.44%
+1.8%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC + ROE
Pretax ROA
1.26%
−16.3%y/y
Peer standing31st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC + ASSET
NIM
3.96%
−13.0%y/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NIMY
Earning yield
6.17%
−12.4%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICINTINCY
IB deposit cost
2.86%
−11.7%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
58.98%
−3.7%y/y
Peer standing52nd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.70%
−10.1%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONIX + ASSET
Fee share
14.67%
+41.9%y/y
Percentile by value56th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII + NIM
Assets YoY
+33.38%
+155.3%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits YoY
+34.54%
+134.4%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Loans YoY
+13.85%
+1.3%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
32nd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDICNETINC + ROE
41st percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDICNIM + NIMY
65th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDICNONIX + NIM + NONII + EEFFR
52nd percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDICDEP
95th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDICLNLSNET
80th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
57th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDICRBC1AAJ
35th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.84%Median 10.43%90th 13.44%Observations 525

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
37th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
22nd percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 104%Median 233%90th 354%Observations 398

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.