Happy State Bank

Deposits held and insured by Centennial Bank

Overview / Commentary
100 East Main Street
Happy, TX 79042
Deposits held and insured by Centennial Bank

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Data as of Q4 2021

Data displayed below is for insuring bank: Centennial Bank
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Health Grade Components

FDIC Certificate #11241
Year Established1903
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.94%
Return on Equity - YTD11.96%
Annual Interest Income$639.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$18.02B$16.37B
LoansQ4 2021vs Q4 2020$9.60B$10.98B
DepositsQ4 2021vs Q4 2020$14.55B$12.88B
Equity CapitalQ4 2021vs Q4 2020$2.81B$2.79B
Loan Loss AllowanceQ4 2021vs Q4 2020$236.7MM$245.5MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$49.0MM$72.2MM
Real Estate OwnedQ4 2021vs Q4 2020$1.6MM$4.4MM

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