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
Reviews (1)

Join With Me To Expose The Corruption!

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If you have an account at Happy State Bank, I would go first thing when the bank opens and pull out your money and close your account! This bank and the people in leadership are so deceptive. They had a data breach July 2022 and waited 8 months to notify affected clients their sensitive information had been exposed. That’s scary and a dereliction of duty! The negligence of this bank has caused great harm to my small business and my family. The corruption runs deep. I know I am not alone. The dishonesty and potentially criminal activity by this bank need to be exposed. If you would like to share your story of corruption or negligence by Happy State Bank or Centennial email: Happ[email protected] and expose what is going on.
This lender completely mishandled my PPP loan causing a burden far beyond what any small business should have to experience in this program. They do not care about small businesses, and they bully anyone who calls out the corruption and uses lawyers to intimate because they know small businesses are the weaker party. Your small business will never be a priority at this bank, unless of course you are 4G Metals and had a PPP sweetheart deal with Chris Castle. The SBA really should investigate the shady dealings with this company and Happy State Bank. I know there are a lot of people hurt from this bank and your voice has been silenced like mine. Nothing will change until our stories of how corrupt these people are become public. The first step is to close your account and get out, the second is to email me with your experience and we can work together to expose what is going on and the harm they are causing to mom-and-pop small businesses that are still hurting from the COVID closures.


Data as of Q2 2023

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 - YTD2.02%
Return on Equity - YTD12.67%
Annual Interest Income$578.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$22.06B$24.20B
LoansQ2 2023vs Q2 2022$13.90B$13.63B
DepositsQ2 2023vs Q2 2022$17.43B$19.94B
Equity CapitalQ2 2023vs Q2 2022$3.60B$3.55B
Loan Loss AllowanceQ2 2023vs Q2 2022$285.7MM$294.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$58.0MM$59.4MM
Real Estate OwnedQ2 2023vs Q2 2022$724.00K$373.00K

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