Centennial Bank


4605 South Harrison Boulevard
Ogden, UT 84403
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Centennial Bank is an FDIC insured institution located in Ogden, UT. It was founded in 1997 and has approximately $0.21 billion in assets.

The Federal Deposit Insurance Corporation (FDIC) approved the payout of the insured deposits of Centennial Bank, Ogden, Utah. The bank was closed March 5, 2010 by the Utah Department of Financial Institutions, which appointed the FDIC as receiver.

FDIC Insured Yes
FDIC Certificate # 34430
Date Established 1997
Assets $ 215.15 million
Loans $ 134.12 million
Deposits $ 205.08 million
Capital $ 8.69 million

For a more detailed analysis of Centennial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 24, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - June 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Centennial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.943% 2.875%
0.88 points
$2,188 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Centennial Bank
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Financial Details

Centennial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Centennial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Centennial Bank U.S. Bank Average
179.1% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Centennial Bank had $24,370,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,689,000 in equity and $4,918,000 in loans loss reserves. That gives it a Texas Ratio of 179.1%.

Return on Equity
Centennial Bank U.S. Bank Average
-76.12% 9.24%

Centennial Bank has a Return on Equity of -76.12% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Centennial Bank U.S. Bank Average
4.04% 11.96%

Centennial Bank has a Capitalization of 4.04% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Centennial Bank Balance Sheet Analysis

As of November 30, -0001, Centennial Bank had assets of $212,839,000, loans of $134,115,000, and deposits of $205,076,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 134.12 million
Loan loss allowance $ 4.92 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 205.08 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 215.15 million

Summary Income Statement

December 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Centennial Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Centennial Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Centennial Bank

Branches and Savings

Is Centennial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34430.

Why does Centennial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Centennial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Centennial Bank a commercial bank?


Where are Centennial Bank locations?

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Is Centennial Bank open on Saturdays?

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Do Centennial Bank checks expire?

Does Centennial Bank require US citizenship to open account?

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Does Centennial Bank offer mortgages?

Compare mortgage rates here.

Does Centennial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Centennial Bank offer personal loans?

Compare personal loan rates here.

Does Centennial Bank offer student loans?

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Background on The Bank

Who owns Centennial Bank?

How long has Centennial Bank been around?

Can Centennial Bank transfer to other banks?

Does Centennial Bank have quick pay?

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