Business Banking

With extensive knowledge of our markets and customers, our substantial lending limits and our robust lineup of products, we’ve got what it takes to grow our customers’ businesses.



For the entrepreneur wanting to turn a loan into a legacy. For the food truck operator striving to become a franchise. For the corner lot that wants to be a corporate headquarters. Our loans help you to turn your "what-ifs" into "why-nots."

Not just your bankers. Your neighbors.
We aren't just knowledgeable financial professionals. We also live and work right in the community where you are building your business. We are local experts with fingers on the pulse of your local real estate and business market. So you’re not just getting a loan, you’re getting experience, perspective and advice from a partner that wants you to succeed.

You're a name, not a number.
Never press 4 to speak to a banker. We know your name, your voice, your kids and your pets. Emails, phone calls or even text messages are always answered or promptly returned.

When your business profits, the whole community benefits.
When you bank with Centennial, your money is reinvested right back into your community, not sent off to some national headquarters.

Your customized solution is actually customized.
Imagine that. Without an enormous corporate hierarchy, your banker can assess your needs and provide truly personalized solutions tailored for your business.

Lending decisions made locally.
We hire local leaders with local lending limits. Because each of our lending officers have their own lending authority, loan decisions can be made quickly at the local level, not by a higher-up across the country.


Commercial Real Estate Loan

A mortgage loan secured by a lien on commercial, rather than residential, property. Commercial real estate (CRE) refers to any income-producing real estate that is used solely for business purposes, such as retail centers, office complexes, hotels and apartments.

Small Business Administration Loan (SBA Loan)

A loan given through the Small Business Association. The SBA is a government agency built solely for the purpose of assisting small businesses acquire the funding they need.

Agricultural Loan

A loan made to assist agricultural businesses in opening and expanding their operations. Different programs offer both direct and indirect loan options. Some loan programs focus on helping farmers with operating costs when they cannot get private loans.

Commercial Line of Credit/Operating Capital Loan

This loan allows businesses to access cash. It can provide short-term cash needs and working capital to create a business' momentum.

Commercial Term Loan

A term loans is your basic commercial loan. It is used for equipment, real estate and working capital that's paid off like a mortgage between one and ten years.  It typically carries a fixed interest rate, a monthly or quarterly repayment schedule and includes a set maturity date.


Answer a few quick questions and we'll match you with a loan officer to discuss how Centennial BANK can help you turn your "what-ifs" into "why-nots."


"Why we like Centennial BANK is that they have good lending limits, they can handle our projects, but you have that personalized feel where you feel like your banker is making those decisions that benefit you. And the trust factor is huge." - Dana Green, Boerne

"Centennial’s been great to us. We know that we can get on the phone, send a text, make a phone call, whatever it is and they’re always there for us." - Patrick Smith, Lipan

"With Centennial, you call, they know your voice. You don’t even have to tell them your name. They know my voice and they say, 'Hey Wayne, how’s it going today?'" - Wayne Wilhelm, Nazareth

"Whenever we have an opportunity on a transaction or an acquisition, Centennial is one of my first phone calls. It’s good to see that Centennial has dedicated resources and capital to the Austin market." - Mohammed Ali, Austin

"The way I see my relationship with Centennial: it’s a business partnership. They want me to succeed, I want to succeed, and they’re gonna give me any tools I need to make sure that happens." - Shawn Vinson, Lubbock

Focus on your business, not your bank account! Get access to all of our account management tools while we automatically find ways to reduce or eliminate your fees based on your account activity.

It’s simple. Each PREMIER Business Checking3 account only incurs a fee after you’ve exceeded a certain amount of free transactions per month. Then, any per-item fees are offset by an earnings credit to automatically eliminate or minimize charges.

Enjoy FREE Internet Banking, Bill Pay, eStatements and a Debit MasterCard® BusinessCard—all backed by our team of expert Business Solutions Specialists.

Want to see how much we can save you today? Give our Business Solutions Specialists a call for a FREE analysis of your business checking account at 855.293.4272.

Free DescriptionItems FREE before per-item charges are assessed
ACH Credits50 per month
ACH Debits50 per month
Items Deposited50 per month
Paper Credit25 per month
Paper Debit75 per month

(3) Charges for PREMIER Business Checking customers are calculated monthly. The charges are based on the account balances maintained and the services provided. The average ledger balance is calculated for the month. The average funds in float (uncollected funds) are subtracted to determine the average collected balance. The average ledger balance is used to calculate the reserve requirement. The reserve requirement is determined and deducted from the average collected balance. The remaining balance is termed the investable balance. An earnings allowance (also called an “earnings credit”) is used to offset the per transaction fees listed above. Your earnings credit is calculated by applying the earnings credit rate to the investable balance available for services in your account. The earnings credit rate appears on the client analysis statement for your account. The earnings credit rate is determined by the Bank and is subject to change at the Bank’s discretion. You pay a service charge when your fees exceed your earnings allowance in a given statement cycle.


Local businesses deserve local bank accounts. Backed by the strength and stability of Centennial BANK, Ambition Savings* gives you the rates of a CD with the accessibility of a savings account.

Tiered Rates

We know that daily wins build legacies. That’s why we offer premium interest rates for higher balances in Ambition Savings.

Enjoy the Perks

While you enjoy premium interest you can also take advantage of free printed statements with images, Internet Banking, our mobile app, e-statements and our unparalleled customer service.

BalanceRate APY**
$50,000 - $99,999.990.40%0.40%
$100,000 - $249,999.990.90%0.90%
$250,000 - $499,999.991.20%1.21%
$500,000 +1.40%1.41%

*Variable rate may change after account is opened. Minimum opening deposit of $50,000 required. To avoid a $10 service charge and earninterest, maintain a minimum balance of $50,000. Up to 9 withdrawals per calendar quarter can be made without penalty. Withdrawals in excessof 9 per calendar quarter will incur a $2 fee per withdrawal.
**Annual percentage yield is accurate as of 1/15/18. Fees may reduce earnings.


A web page can introduce you to our products, but it can’t begin to capture our level of service. Whether you’re ready to open an account online, or just have a few questions, please contact us.

We invite you to stop by a branch, or give us a call at (855) 293-4272