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Happy State Bank

Our records indicate that this bank has been acquired by Centennial Bank.

Happy State Bank is an FDIC insured institution headquartered at 100 East Main Street, Happy, TX 79042.
It was founded in 1908 and has approximately $7 billion in assets. Customers can open an account at one of its 36 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES	APY	MIN
Savings	0.02%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.18%	$10,000	Compare
6 Mo CD	0.31%	$100,000	Compare
12 Mo CD	0.21%	$10,000	Compare
12 Mo CD	0.36%	$100,000	Compare
18 Mo CD	0.21%	$10,000	Compare
18 Mo CD	0.51%	$100,000	Compare
24 Mo CD	0.24%	$10,000	Compare
24 Mo CD	0.76%	$100,000	Compare
30 Mo CD	0.24%	$10,000	Compare
30 Mo CD	0.76%	$100,000	Compare
36 Mo CD	0.26%	$10,000	Compare
36 Mo CD	0.86%	$100,000	Compare
48 Mo CD	0.31%	$10,000	Compare
48 Mo CD	0.96%	$100,000	Compare
60 Mo CD	0.36%	$10,000	Compare
60 Mo CD	1.06%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.02%	$2,500	Compare
Money Market	0.02%	$10,000	Compare
Money Market	0.02%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.02%	$1
Int Ckg	0.02%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 10359
Date Established	1908
Assets	$ 6.80 billion
Loans	$ 3.61 billion
Deposits	$ 6.07 billion
Capital	$ 567.97 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 859.03 million
Interest-bearing balances	$ 746.03 million
Total securities	$ 1,775.65 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 3.61 billion
Loan loss allowance	$ 42.22 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.19 million
Goodwill and other intangibles	$ 141.10 million
All other assets	$ 208.64 million
Total Assets	$ 6.18 billion

LIABILITIES
Total deposits	$ 6.07 billion
Interest-bearing deposits	$ 3.92 billion
Deposits held in domestic offices	$ 6.07 billion
% insured (estimated)"	48.87%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 74.21 million
Subordinated debt	N.A.
All other liabilities	$ 41.34 millionn
Total Liabilities	$ 6.18 billion
Shareholders’ Equity	$ 622.97 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 59.99 million
Total Interest Expense	$ 2.77 million
Net interest income	$ 57.23 million
Provision for loan and lease losses	$ 0.93 million
Total non interest income	$ 11.52 million
Total non interest expense	$ 43.15 million
Pre-tax Net Operating Income	$ 24.67 million

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