F&M BANCSHARES INC is the parent banking group. CENTENNIAL BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

F&M BANCSHARES INC

Legal name: F & M BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $1.1B combined assets

RSSD ID: 1135806 (FFIEC NIC)

Combined Assets

$1.1B

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCENTENNIAL BANKTREZEVANT, TNSatisfactory$1.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$936M

Net Income

$3M

ROA (avg)

1.04%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

5,266

Origination Rate

55.36%

Denial Rate

20.02%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CENTENNIAL BANK	TREZEVANT, TN	FDIC	$1.1B	100.0%	Satisfactory	Sep 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.