The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

The mission of Centennial Bank is to remain a financially strong family-owned Bank committed to serving our communities, maintaining superior relationships with our customers, offering innovative products and services while providing a rewarding work environment for our employees. 

The information is current as of April 1 of each year and may be updated periodically. Details are provided through the links below.

Questions or comments about this information or regarding our CRA performance in helping to meet community credit needs may be addressed to:

Madeline Walker
CRA Officer
P.O. Box 308
Trezevant, TN 38258

You can also email us at [email protected]     

Loan to Deposit Ratios for quarters ending December 31, 2022 through December 31, 2023 are available for review.

Assessment Area

The assessment areas delineated by Centennial Bank represent the communities served. Click on the links provided to find a list of all census tracts in the Bank’s three assessment areas and maps for each. 

Assessment Area Listing

Carroll, Non-MSA

Hardeman - Hardin - McNairy, Non-MSA

Jackson, TN MSA

Locations & Services

The branch services and geographies include the branch name, address, geocode information, branch hours, ATM location and instant issue debit card availability for Centennial Bank branches.

Branch Services & Geographies

Electronic Branches

ATM Only Locations

Branch Openings & Closings

The following is a list of Centennial Bank loan and deposit products, services and fees:

            Business Checking

            Personal Checking

            Business Savings

            Personal Savings

            Business Loans

            Personal Loans

            Business Credit Cards

            Personal Credit Cards

            Business Services

            Personal Services

            Additional Services

            Overdraft Privilege Program

            Bank Fees

Regulatory Documents

CRA Performance Evaluation

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. 

HMDA data for many other financial institutions is also available online. For more information, visit the Consumer Financial Protection Bureau’s website ( 

Public Comments

Read letters from the public that address our CRA efforts in the communities we serve.

Learn more about Centennial Bank's Community Investments.