Stephen Tipton

“As Johnny mentioned, the third quarter of 2026 was another strong performance for home and Centennial Bank. Adjusted earnings were $129.1 million, an increase of $1 million from last quarter.”

“As Johnny mentioned, the second quarter of 2026 was a strong showing with the inclusion of Mountain Commerce Bank in Tennessee and a little organic loan growth from Legacy Centennial Bank.”

“Chris, we appreciate your approach and discipline over the last 11 years with us. As Johnny mentioned, the first quarter of 2026 was a good start to the year with $118.2 million in net income, a 2.09% return on assets, and 16.56% return on tangible common equity.”

“Continued strong earnings, asset quality metrics, and capital generation all capped off by our announcement of the Mountain Commerce Bank acquisition in December.”

“As Johnny mentioned, the third quarter was another strong performance for home and Centennial Bank and produced records in several areas.”