Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Jun 2026 |
| RSSD ID | 1135806 |
| Address | 5420 Broad St S, Trezevant, TN 38258 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
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
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Centennial Bank (FDIC cert 8439, total assets $1.1 billion). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Centennial Bank (RSSD 531250, FDIC cert 8439), the only active bank the FDIC lists under this holding company. 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists F & M Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Centennial Bank: 287 originated home loans
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 |
|---|---|---|
| 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. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| 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 |
“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. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Centennial Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
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
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- 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
Work at F & M Bancshares, Inc.? Link to this page
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