At a glance
From its website, read 2 Nov 2026Centennial Bank is a bank or thrift based in Trezevant, Tennessee. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (731) 669-3900 source |
|---|---|
| Apply online | Page with the application link |
| Website | mycentennial.bank |
| Office (official list) | 5420 Broad St S, Trezevant, TN 38258 |
What their website says about applying
Pre-qualify for the new or used vehicle you've been eyeing on terms unique to you.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | 531250 |
| Address | 5420 Broad St S, Trezevant, TN 38258 Directions (Google Maps) |
| Website | mycentennial.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The loan pages do not state loan amounts or a service area. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Competitive rates for various agri-business needs | source |
| Auto / vehicle loans | — | Finance your new or used vehicle | source |
| Commercial real estate loans | — | Purchase, refinance, or construct commercial properties | source |
| Equipment loans | — | Secure financing to purchase or upgrade equipment | source |
| Home mortgages | — | Offering home purchasing or refinancing for most any need | source |
| Personal / consumer loans | — | Cover a variety of personal needs | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration (SBA) Loans | source |
| Small-business loans | — | Get competitive rates for a variety of business expenses | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (6)
- https://www.mycentennial.bank
- https://www.mycentennial.bank/loans/personal-loans/auto-loans.html
- https://www.mycentennial.bank/loans/personal-loans
- https://www.mycentennial.bank/loans/business-loans
- https://www.mycentennial.bank/services/tools/loan-payments.html
- https://www.mycentennial.bank/loans/business-loans/equipment-loans.html
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.8 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $270,526 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Centennial Bank (FDIC cert 8439). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 15 (as of 30 Oct 2026) |
Offices by state and county (15)
Tennessee (15 offices)
- Carroll County (2): 5420 Broad St S, Trezevant 38258 (main office); 16830 Highland Dr, Mc Kenzie 38201
- Chester County (2): 657 E Main St, Henderson 38340; Main And Franklin Streets, Henderson 38340
- Gibson County (4): 2751 N Central Ave, Humboldt 38343; 329 Old Medina St, Medina 38355; 463 N Trenton St, Rutherford 38369; 100 W Armory St, Trenton 38382
- Hardeman County (2): 411 W Market St, Bolivar 38008; 294 S Main St, Middleton 38052
- Madison County (4): 388 Us Highway 45 W, Humboldt 38343; 132 W University Pkwy, Jackson 38305; 420 Oil Well Rd, Jackson 38305; 558 Carriage House Dr, Jackson 38305
- McNairy County (1): 119 Main Street, Adamsville 38310
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Centennial Bank (RSSD 531250, FDIC cert 8439). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $750 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 13.9% from $658.3 million on 30 Jun 2025 |
| Total assets | $1.06 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $180.2 million | 24.0% |
| Home equity lines of credit | $38.7 million | 5.2% |
| Commercial real estate, construction and multifamily | $260.3 million | 34.7% |
| Commercial and industrial (business) loans | $92.1 million | 12.3% |
| Farmland and farm production loans | $71.4 million | 9.5% |
| Consumer loans (credit cards, auto, other) | $33 million | 4.4% |
| All other loans and leases | $74.3 million | 9.9% |
Within consumer loans: auto loans $15 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 60 loans $2.7 million | 397 loans $10.2 million |
| $100,001 to $250,000 | 74 loans $8.9 million | 96 loans $9.5 million |
| $250,001 to $1 million | 108 loans $39 million | 84 loans $23.7 million |
| All small business loans | 242 loans $50.6 million | 577 loans $43.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 27 loans $1.1 million | 35 loans $698,000 |
| $100,001 to $250,000 | 27 loans $2.6 million | 11 loans $951,000 |
| $250,001 to $500,000 | 12 loans $2.5 million | 7 loans $1.8 million |
| All small farm loans | 66 loans $6.1 million | 53 loans $3.4 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Centennial Bank reported 287 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $67.8M (median loan about $145,000). 146 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 146 | 51% |
| Refinance (incl. cash-out) | 86 | 30% |
| Home improvement | 22 | 7.7% |
| Other purpose | 33 | 11% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 287 | 100% |
Included above: 40 loans on manufactured homes; 9 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 27 counties with at least one; 97% of its 2025 loans were for properties in Tennessee:
- Gibson County, TN (81)
- Madison County, TN (50)
- Hardeman County, TN (35)
- Chester County, TN (27)
- Carroll County, TN (25)
- McNairy County, TN (14)
- Hardin County, TN (11)
- Henry County, TN (8)
Filed under LEI 549300YR7U7TZTQ1GH77 as “Centennial Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 3 → 1 | Rank among the 6 certified CDFIs in Tennessee with SBA approvals in either period: 3 → 3. |
| Total assets (Call Report, 30 Jun 2026) | $1.06 billion | Larger than 82% of the 17 other certified banks and bank holding companies in Tennessee (median $325.6 million). |
| Loans as a share of assets | 71% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $658.3 million → $750 million (+14%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +7%. Rank by loans held among these 18: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 287 | More than 75% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Tennessee with SBA approvals FY2023–2026 | 5 | rank 3 → 3 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 82% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 3 → 3 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 75% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 7 SBA-backed approvals for Centennial Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 4 7(a) loans as the lender: $464,200 in total (gross amount approved), median $94,600
- 3 504 projects as the third-party (first-lien) lender: $8.1M in total (its own third-party loan amount), median $2.8M
By fiscal year: FY2020 3 · FY2021 0 · FY2022 0 · FY2023 3 · FY2024 0 · FY2025 1 · FY2026 0.
By program
- 7(a) standard (3, 43%)
- 504 projects (as the third-party lender) (3, 43%)
- 7(a) SBA Express (1, 14%)
Borrower industries
NAICS sector, 3 or more loans.
- Manufacturing (3)
How this lender was matched in the SBA files: FDIC cert 8439, found through the RSSD ID on the CDFI Fund list (SBA lists “Centennial Bank”); 504 third-party lender name: same name, state and city (SBA lists “Centennial Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Centennial Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Trezevant and Tennessee
- F & M Bancshares, Inc.Bank holding company · Trezevant, TNOfficial list only
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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