BlastPoint's Banking Scorecard
Centennial Bank
Community
Specialty: Commercial
TN
FDIC cert 8439
Trezevant, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Centennial Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 36% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 62% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$851.8M
+11.5% YoY
+2.0% QoQ
|
-$539.6M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$667.9M
+6.3% YoY
+1.0% QoQ
|
-$307.6M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$752.3M
+13.3% YoY
+2.9% QoQ
|
-$412.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.36%
-10.0% YoY
+10.3% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.61%
-3.6% YoY
-0.0% QoQ
|
+0.95% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
59.55%
+4.5% YoY
+1.3% QoQ
|
-3.08% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.12%
-31.7% YoY
-32.4% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
88.77%
-6.2% YoY
-1.8% QoQ
|
+5.71% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
21.29%
-1.4% YoY
+8.2% QoQ
|
+0.25% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.09%
-34.9% YoY
-33.0% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
11.55%
-3.7% YoY
-3.3% QoQ
|
+1.31% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.57%
-16.2% YoY
+45.6% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#134 of 371 · Top 36% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Margin Compression
decline
#75 of 120 · Bottom 62% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.36%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.77% · Tier avg: 83.06%
58
58th pctile
Efficiency Ratio
Current: 59.55% · Tier avg: 62.63%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 21.05%
47
47th pctile
Total Loans
Current: $667.9M · Tier avg: $975.5M
43
43th pctile
Total Deposits
Current: $752.3M · Tier avg: $1.2B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.55% · Tier avg: 10.24%
39
39th pctile
Total Assets
Current: $851.8M · Tier avg: $1.4B
Top Weaknesses
39
39th pctile
Total Assets
Current: $851.8M · Tier avg: $1.4B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.55% · Tier avg: 10.24%
43
43th pctile
Total Deposits
Current: $752.3M · Tier avg: $1.2B
47
47th pctile
Total Loans
Current: $667.9M · Tier avg: $975.5M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 21.05%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
58
58th pctile
Efficiency Ratio
Current: 59.55% · Tier avg: 62.63%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.77% · Tier avg: 83.06%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
90
90th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%