Bank · FDIC insured
Centennial Bank
A $1.1B bank headquartered in Trezevant, TN, with 15 branches in Tennessee. Best rates: savings 0.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings843.60%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Centennial Bank
Centennial Bank was originally founded on January 21, 1916, as Farmers & Merchants Bank in Trezevant, Tennessee, before changing its name to Centennial Bank in 2016.
The family-owned community bank is located throughout West Tennessee, operating branches across communities including Bolivar, Rutherford, Three Way, McKenzie, Trenton, Medina, Middleton, Toone, Humboldt, Henderson, and Adamsville.
- Headquarters
- 5420 Broad St S, Trezevant, TN 38258
- FDIC certificate
- 8439 ↗
Branches
15 branches in Tennessee
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Tennessee
15 branches
Jackson area · 10
- Henderson BranchMain And Franklin Streets, Henderson, TN 38340Directions
- Henderson East Branch657 E Main St, Henderson, TN 38340Directions
- Humboldt Branch2751 N Central Ave, Humboldt, TN 38343Directions
- Three Way Branch388 Us Highway 45 W, Humboldt, TN 38343Directions
- Carriage House Branch558 Carriage House Dr, Jackson, TN 38305Directions
- Oil Well Branch420 Oil Well Rd, Jackson, TN 38305Directions
- University Parkway Branch132 W University Pkwy, Jackson, TN 38305Directions
- Medina Branch329 Old Medina St, Medina, TN 38355Directions
- Rutherford Branch463 N Trenton St, Rutherford, TN 38369Directions
- Trenton Branch100 W Armory St, Trenton, TN 38382Directions
Trezevant area · 1
- Centennial BankMain office5420 Broad St S, Trezevant, TN 38258Directions
Adamsville area · 1
- Adamsville Branch119 Main Street, Adamsville, TN 38310Directions
Bolivar area · 1
- Bolivar Branch411 W Market St, Bolivar, TN 38008Directions
McKenzie area · 1
- Mckenzie Branch16830 Highland Dr, McKenzie, TN 38201Directions
Middleton area · 1
- Middleton Branch294 S Main St, Middleton, TN 38052Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.82% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.26% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.98% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio9.82%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.26%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Centennial Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.