Comprehensive 100% census of all brick-and-mortar Federal Deposit Insurance Corporation (FDIC)-insured commercial bank branches physically operating inside Franklin County across Apalachicola (32320), Eastpoint (32328), St. George Island (32328), and Carrabelle (32322). Having acquired the historic Apalachicola State Bank, Centennial Bank (FDIC Certificate #11241, Home BancShares, Inc., Florida Sunbiz Foreign Profit Doc# F08000005141 / #F10000001053) is the sole financial institution operating a coast-to-coast four-branch network across Franklin County: (1) Apalachicola Main Office at 22 Avenue E, Apalachicola, FL 32320 ((850) 653-2301 / legacy line (850) 653-8805); (2) Eastpoint Branch at 5 Jefferson Street (off the 342 US Highway 98 corridor), Eastpoint, FL 32328 ((850) 653-2341 / (850) 670-8501 / (850) 670-8450); (3) St. George Island Branch at 200 Franklin Boulevard (historically indexed at 135 Franklin Blvd), St. George Island, FL 32328 ((850) 927-2511 / (850) 927-2556 / (850) 653-2361); and (4) Carrabelle Branch at 612 NW Avenue A (US Highway 98 / 211 Hwy 98 E corridor), Carrabelle, FL 32322 ((850) 697-7601 / (850) 697-3322). Fiduciary investment management and retirement income planning for Centennial Bank clients across Franklin County are delivered through Centennial Financial Services (Crowley Wealth)—an official advisory practice of SEC-registered investment adviser and FINRA/SIPC broker-dealer Ameriprise Financial Services, LLC (Firm CRD #6363 / SEC File #801-28543, Sunbiz Doc# M05000005166, clarifying that Centennial Bank's wealth division partners with Ameriprise rather than LPL or Raymond James) led by 32-year Private Wealth Advisor Kathleen Ann 'Kathy' Crowley, CFP® (Individual CRD #2383477, 0 disclosures, (850) 740-0672) and Wealth Advisor Grace Corinne Crowley Hardee (Individual CRD #7869919, 0 disclosures)—alongside Centennial Bank Trust Services. This listing also documents Franklin County's second in-county FDIC commercial bank: PeoplesSouth Bank — Apalachicola Branch at 58 4th Street, Apalachicola, FL 32320 ((850) 653-9828; FDIC Certificate #21292, PeoplesSouth Bancshares, Inc., Sunbiz Doc# F06000000695, https://www.peoplessouth.com). Together, these branches provide Franklin County retirees with FDIC-insured Traditional and Roth IRA CDs (up to $250,000 separate coverage), multi-million-dollar IntraFi (CDARS/ICS) sweep protection for coastal real estate sales and FRS DROP payouts, non-interest-bearing Qualified Income Trust (Miller Trust) checking accounts for Florida Long-Term Care Medicaid eligibility, and 2nd Judicial Circuit probate estate and guardianship accounts (acceptsMedicaid: false).
Official Verification Sources: FDIC BankFind Suite — Centennial Bank (FDIC #11241) & PeoplesSouth Bank (FDIC #21292 — Franklin County Branches); SEC IAPD / FINRA BrokerCheck — Kathleen Ann Crowley, CFP® (CRD #2383477 — Centennial Financial Services / Ameriprise); Centennial Bank & Centennial Financial Services — Official Wealth Management Portal
Issuer: Federal Deposit Insurance Corporation (FDIC) & Florida Office of Financial Regulation (OFR)
Notes: Verified 2026-10-26 via FDIC BankFind Suite & Sunbiz: Centennial Bank (FDIC Cert #11241, Sunbiz #F08000005141) operates 4 Franklin County branches: 22 Avenue E, Apalachicola, FL 32320 ((850) 653-2301); 5 Jefferson St, Eastpoint, FL 32328 ((850) 653-2341 / (850) 670-8501); 200 Franklin Blvd, St. George Island, FL 32328 ((850) 927-2511); and 612 NW Ave A, Carrabelle, FL 32322 ((850) 697-7601). PeoplesSouth Bank (FDIC Cert #21292, Sunbiz #F06000000695) operates at 58 4th St, Apalachicola, FL 32320 ((850) 653-9828).
Issuer: U.S. Securities and Exchange Commission (SEC) / FINRA / CFP Board
Notes: Verified 2026-10-26: Centennial Financial Services (Crowley Wealth) operates through Ameriprise Financial Services, LLC (CRD #6363, SEC #801-28543), led across Centennial Bank's Franklin, Wakulla, and Gulf County footprint by Private Wealth Advisor Kathleen Ann 'Kathy' Crowley, CFP® (CRD #2383477, registered since 1993, 0 disclosures) and Grace Corinne Crowley Hardee (CRD #7869919, 0 disclosures) at (850) 740-0672.
Factual details and direct answers about Centennial Bank — Apalachicola, Eastpoint, St. George Island & Carrabelle In-County Branches, Centennial Financial Services (Crowley Wealth / Ameriprise) & PeoplesSouth Bank (Apalachicola)'s services, licensing, and credentials.
Which FDIC-insured commercial banks operate physical brick-and-mortar branches in Apalachicola, Eastpoint, St. George Island, and Carrabelle?
Centennial Bank (FDIC Certificate #11241) operates four branches spanning every major Franklin County community: Apalachicola at 22 Avenue E ((850) 653-2301), Eastpoint at 5 Jefferson Street ((850) 653-2341 / (850) 670-8501), St. George Island at 200 Franklin Boulevard ((850) 927-2511), and Carrabelle at 612 NW Avenue A ((850) 697-7601). In addition, PeoplesSouth Bank (FDIC Certificate #21292) operates a full-service downtown branch at 58 4th Street, Apalachicola, FL 32320 ((850) 653-9828).
How are fiduciary retirement planning and investment management delivered at Centennial Bank's Franklin County branches?
Through Centennial Financial Services (Crowley Wealth), Centennial Bank partners with SEC-registered investment adviser and FINRA/SIPC broker-dealer Ameriprise Financial Services, LLC (Firm CRD #6363 / SEC #801-28543). Franklin County retirees can schedule consultations with 32-year Certified Financial Planner™ Kathleen Ann 'Kathy' Crowley, CFP® (CRD #2383477, 0 disclosures) and Grace C. Hardee (CRD #7869919, 0 disclosures) at (850) 740-0672 or through their local Apalachicola, Eastpoint, St. George Island, or Carrabelle branch.
Connect with complementary legal, financial, and residential providers serving seniors in Apalachicola and Franklin County.
Franklin County Clerk of the Circuit Court & Comptroller — Probate, Guardianship & Small Estates Division (Hon. Michele Maxwell, Judge Jay Gordon Shuler, County Attorney Thomas M. 'Michael' Shuler, Esq. & 2nd Circuit Public Guardian)
Apalachicola, Franklin County
(850) 653-8861
Apalachicola Housing Authority (HUD PHA #FL036) & Northwest Florida Regional Housing Authority (#FL046) — Franklin County Senior Public Housing & Section 8 Registry
Apalachicola, Franklin County
(850) 653-9304
George E. Weems Memorial Hospital (AHCA #4173 — Critical Access Swing-Bed Skilled Nursing, 24/7 Emergency & Weems Medical Centers East & West) & Ascension Sacred Heart Gulf Border Hospital
Apalachicola, Franklin County
(850) 653-8853
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Senior Citizen Benefits in Florida →
Protecting FDIC-insured IRA CDs, FRS DROP lump sums, and survivor bank accounts in Franklin County.
Florida Medicaid Long-Term Care Guide →
Opening a Qualified Income Trust (Miller Trust) checking account in Apalachicola, Eastpoint, or Carrabelle for Medicaid LTC eligibility.
OCC & Florida Chartered Corporate Trust & Coastal/Timber Estate Fiduciary Network — Capital City Trust Company & Capital City Bank (Port St. Joe & Crawfordville Branches), Centennial Bank Trust, Synovus Trust Company, N.A., Regions Bank Trust & Hancock Whitney Trust
Apalachicola, Franklin County
Franklin County In-County & 2nd Circuit Licensed CPA & Fiduciary Tax Network — Roberson & Associates, P.A. (Apalachicola & Port St. Joe — Ralph C. 'Chris' Roberson, CPA #AC0007186) & Fisher & Friedman, P.A. (Eastpoint — Laura Fisher, CPA & Mark W. Friedman, CPA, PFS) — With Shepard Accounting (#AC0030904), Carr Riggs & Ingram (#AD0016615), Thomas Howell Ferguson (#AD0015619) & James Moore & Co. (#AD0016552)
Apalachicola, Franklin County
Franklin County Credit Union Senior Banking & CUSO Fiduciary Retirement Network — Emerald Coast FCU (#3388) & Tyndall FCU (#10754) (Port St. Joe 22 Mi. W) + Champions First CU (#67874 / Eddie Knowles, AIF®), Gulf Winds CU (#68694), First Commerce CU (#68301 / Six Pillars CFP®), First Florida CU (#68509), Envision / Addition Financial (#68173) & TMH FCU (#14368)
Apalachicola, Franklin County
Franklin County In-County Insurance & Coastal Corridor Senior Annuity Protection Network — Cook Insurance Agency (#H44240) & Acentria Insurance (Apalachicola) + Wakulla County Farm Bureau (Lisa M. Griner #A105108) & Gulf / Calhoun Farm Bureau (Southern Farm Bureau Life NAIC #68896)
Apalachicola, Franklin County
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