A MESSAGE FROM THE CEO

As a customer- and community-focused bank, Centennial Bank is committed to delivering on each of our core values while balancing the interests of our customers, communities and shareholders.

Throughout our daily operations, we seek ways to reduce our environmental impact. One example is by eliminating or reducing the use of paper. Over 70% of our customer accounts utilize E-statements, and we recycled 1.2 million pounds of paper in 2022 due to a new policy to recycle 100% of shredded paper. We also recycled an estimated 13,777 pounds of electronic waste last year.

Our bankers continue to lend a helping hand in the local communities by serving on boards of non-profit organizations, teaching financial literacy classes in local schools and participating in local grill events supporting local non-profit organizations. Plus, our corporation has donated millions of dollars to local schools, non-profits and law enforcement agencies throughout our footprint.

Attention to governance matters has certainly grown in the financial spotlight throughout the past year and continues to be an area of focus at Centennial Bank, where we hold ourselves to a high standard of ongoing process improvement.

In 2022, our company completed our largest conversion to date as we welcomed the customers of Happy State Bank to the Centennial family. The employees from Happy State are active members of their communities and continuously work to identify new opportunities to lead, serve and make a difference. Such parallel mindsets have made us great partners.

Instead of just quoting statistics, the next few pages illustrate some of the ongoing efforts of corporate citizenship here at Centennial Bank, where we believe in making tomorrow better than today.

Tracy French President and CEO Centennial Bank