Centennial Bank (FDIC #8439): Bank Stress & Real-Estate Credit Exposure
Centennial Bank (FDIC Cert #8439): bank stress 70/100, elevated, STABLE over 7 days; parent F&M BANCSHARES INC.
Centennial Bank (#8439) lends in 6 counties across 1 state; Centennial Bank (#8439) reaches 60 ZIP codes: Tennessee 6 counties, 60 ZIPs.
Centennial Bank (#8439) largest markets: Mcnairy County, TN (15 branches, 15 ZIPs) (#8439), Carroll County, TN (28 branches, 14 ZIPs) (#8439), Gibson County, TN (52 branches, 13 ZIPs) (#8439), Madison County, TN (52 branches, 13 ZIPs) (#8439), Chester County, TN (24 branches, 12 ZIPs) (#8439), Hardeman County, TN (48 branches, 12 ZIPs) (#8439).
Centennial Bank (#8439) reports $1.06 billion in total assets; Centennial Bank (#8439) equity $109.6 million (10.3% of Centennial Bank (#8439) assets); Centennial Bank (#8439) domestic deposits $940.1 million; Centennial Bank (#8439) net income $5.3 million; Centennial Bank (#8439) return on assets 0.98%; Centennial Bank (#8439) return on equity 9.75%; Centennial Bank (#8439) net interest income $19.6 million; Centennial Bank (#8439) call report June 30, 2026.
Centennial Bank (#8439) noncurrent real-estate loans: none reported; Centennial Bank (#8439) net charge-offs on real estate 1.29%; Centennial Bank (#8439) residential charge-offs 2.99%.
Centennial Bank (#8439) net interest margin 3.96% against an eight-quarter Centennial Bank (#8439) average of 4.48% (Centennial Bank (#8439) compression 0.53 points); Centennial Bank (#8439) non-residential real estate 299.0% of equity; Centennial Bank (#8439) rate-exposure score 40/100, Centennial Bank (#8439) fixed-rate trap 40/100; Centennial Bank (#8439) risk type credit driven; Centennial Bank (#8439) rate regime rates elevated, Centennial Bank (#8439) snapshot October 19, 2026.
Centennial Bank (#8439) stress score moved from 67 on June 22, 2026 to 69.7 on October 20, 2026; Centennial Bank (#8439) ranged 67 to 69.7 over 117 snapshots.
Centennial Bank (#8439) alerts: 6 counties; top Centennial Bank (#8439) alert scores: Henderson County, TN 50 (elevated); Jackson County, TN 36 (moderate); Adamsville County, TN 23 (low); Toone County, TN 23 (low); Trenton County, TN 23 (low).