This institution is no longer active

Operations ceased on March 5, 2010. CRA examination history below reflects the period it was active.

CENTENNIAL BANK

OGDEN, UT · Supervised by FDIC

Est. 1997FDIC #34,430RSSD: FDIC-34430

Part ofCENTENNIAL BANKSHARES INC→ View all charters

Satisfactory Down

Current rating · Exam: June 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -6.31%

Institution Profile

FDIC BankFind

Address

4605 South Harrison Boulevard, OGDEN, UT

County

Weber County

Established

April 2, 1997

Total Assets

$213M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2005

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2009Call Report / FDIC

Total Assets

$213M

Total Deposits

$205M

Net Loans

$134M

Net Income

$-14,346K

ROA

-6.31%

ROE

-108.62%

Risk-Based Capital

0.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.24%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	5,163	56.01%	17.24%
2023	5,266	55.36%	20.02%
2022	6,274	60.98%	15.88%
2021	5,919	63.68%	15.54%
2020	7,050	67.7%	10.99%
2019	5,408	62.74%	12.85%
2018	4,946	64.42%	14.09%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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