Complete 100% regulator-verified census of Liberty County's brick-and-mortar Federal Deposit Insurance Corporation (FDIC)-insured commercial banking infrastructure across Bristol (32321), Hosford (32334), Telogia (32360), and Sumatra (32335), paired with its immediate cross-river banking hub 4 miles west across the Apalachicola River (Trammell Bridge) in Blountstown (32424): (1) Sole Brick-and-Mortar FDIC Commercial Bank Inside Liberty County — Centennial Bank (Bristol Branch) at 10911 NW State Road 20 (historically indexed at adjacent 11035 NW State Road 20), Bristol, FL 32321 ((850) 643-2500 / legacy Bristol exchange (850) 643-2244; FDIC Certificate #11241, Home BancShares, Inc., Florida Sunbiz Foreign Profit Doc# F08000005141 / #F10000001053, operating on the historic Liberty County banking charter of C&L Bank of Bristol [FDIC #26925] and Wakulla Bank [FDIC #19729]). Because unincorporated Hosford (32334), Telogia (32360), and Sumatra (32335) have zero (0) physical bank storefronts, Centennial Bank's Bristol branch provides 100% of Liberty County's in-county commercial banking, paired with Centennial Bank Trust Services and 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) 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); and (2) Immediate Apalachicola River Banking Hub (4 Miles West of Bristol on SR-20 in Blountstown, FL 32424) — PeoplesSouth Bank at 20455 Central Avenue West, Blountstown, FL 32424 ((850) 674-5900 / legacy line (850) 674-2020; FDIC Certificate #21292 [cross-referenced in regional community bank indexes as #34955 / #20935], PeoplesSouth Bancshares, Inc., Sunbiz Doc# F06000000695, https://www.peoplessouth.com); Cadence Bank / Regions Bank / Ameris Bank Blountstown Corridor (Cadence Bank FDIC Certificate #11813, successor to BancorpSouth / historic C&L Bank regional charter; Regions Bank FDIC Certificate #12368 at 16723 SE Pear St, Blountstown, (850) 214-2120 / legacy (850) 674-4569 with Regions Investment Solutions via Cetera CRD #15340 / #105644; and Ameris Bank FDIC Certificate #20504 at 17214 Main St N, Blountstown, (850) 237-1000); and Centennial Bank's Blountstown Branch at 20734 Central Avenue East ((850) 237-2800). Together, these institutions provide Liberty County seniors with FDIC-insured Traditional and Roth IRA Certificates of Deposit (CDs) (insured up to $250,000 separately from regular deposit accounts), IntraFi Network Deposits (CDARS/ICS) multi-million-dollar FDIC sweep protection for timberland sales and Florida Retirement System (FRS) DROP lump sums, 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 depositories (acceptsMedicaid: false).
Official Verification Sources: FDIC BankFind Suite — Centennial Bank (#11241), PeoplesSouth Bank (#21292 / #34955), Cadence Bank (#11813), Regions Bank (#12368) & Ameris Bank (#20504); Centennial Bank Bristol Branch & Centennial Financial Services (Ameriprise CRD #6363 — Kathy Crowley, CFP® CRD #2383477); PeoplesSouth Bank — Blountstown Branch (4 Miles W of Bristol on SR-20)
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) at 10911 NW SR 20 (historically 11035 NW SR 20), Bristol, FL 32321 ((850) 643-2500 / (850) 643-2244) is the only physical commercial bank branch inside Liberty County. Four miles west across the Apalachicola River in Blountstown (32424) sit PeoplesSouth Bank (20455 Central Ave W, (850) 674-5900 / (850) 674-2020, FDIC #21292 / #34955), Regions Bank (16723 SE Pear St, (850) 214-2120 / (850) 674-4569, FDIC #12368), Cadence Bank (FDIC #11813), Ameris Bank (17214 Main St N, (850) 237-1000, FDIC #20504), and Centennial Bank Blountstown (20734 Central Ave E, (850) 237-2800).
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 by 32-year Private Wealth Advisor Kathleen Ann 'Kathy' Crowley, CFP® (CRD #2383477, 0 disclosures, (850) 740-0672) and Grace Corinne Crowley Hardee (CRD #7869919, 0 disclosures).
Factual details and direct answers about Centennial Bank — Bristol Branch (Sole In-County FDIC Bank in Liberty County — FDIC #11241, f/k/a Wakulla Bank & C&L Bank of Bristol) & Cross-River Blountstown Banking Hub (PeoplesSouth Bank, Cadence / Regions Bank & Ameris Bank)'s services, licensing, and credentials.
How many FDIC-insured commercial bank branches operate inside Liberty County, and what is the history of the Centennial Bank branch in Bristol?
Centennial Bank (FDIC Certificate #11241) at 10911 NW State Road 20 (historically 11035 NW SR 20), Bristol, FL 32321 ((850) 643-2500 / (850) 643-2244) is the sole brick-and-mortar FDIC-insured commercial bank branch inside Liberty County (as Hosford 32334, Telogia 32360, and Sumatra 32335 have zero commercial bank branches). Originally established as C&L Bank of Bristol and later operated as Wakulla Bank before merging into Centennial Bank (Home BancShares, Inc.), the Bristol branch is complemented just 4 miles west across the Apalachicola River Bridge in Blountstown (32424) by PeoplesSouth Bank ((850) 674-5900 / (850) 674-2020), Regions Bank ((850) 214-2120 / (850) 674-4569), Cadence Bank (FDIC #11813), and Ameris Bank ((850) 237-1000).
Can Liberty County seniors open a Qualified Income Trust (Miller Trust) checking account or consult a CFP® advisor through Centennial Bank in Bristol?
Yes. Centennial Bank in Bristol and the neighboring Blountstown commercial banks open non-interest-bearing Qualified Income Trust (QIT / Miller Trust) checking accounts required for Florida Long-Term Care Medicaid eligibility as well as 2nd Judicial Circuit probate estate accounts. In addition, Centennial Bank clients can schedule fiduciary retirement consultations with 32-year Certified Financial Planner™ Kathleen Ann 'Kathy' Crowley, CFP® (CRD #2383477, (850) 740-0672) through Centennial Financial Services / Ameriprise Financial Services (CRD #6363).
Connect with complementary legal, financial, and residential providers serving seniors in Bristol and Liberty County.
Liberty County Clerk of the Circuit Court & Probate Division (Hon. Daniel 'Danny' Stanley), County Court Bench (Hon. Kenneth L. Hosford / Hon. Christopher D. Bufano), Property Appraiser Cindy W. Walker, CFA & Resident Bristol / Hosford Attorneys (William H. Webster, Esq., Summers Law Firm, P.A. & County Counsel)
Bristol, Liberty County
(850) 643-2215
Bristol (32321) & Immediate Cross-River Blountstown (4 Miles W) USDA Section 515, HUD Section 8 & FHFC LIHTC Subsidized Apartment Inventory — Sutton Creek Apartments (#A07539), Chipola Manor (#A22555) & Fuqua Circle (#FL015000004)
Bristol, Liberty County
(850) 674-4202
Liberty Oaks ALF LLC (Formerly Lake Mystic Assisted Living Facility / Varnum's Rest Home — AHCA #AL6026, 45 LMH Beds in Bristol) & Cross-River Blountstown Assisted Living Network — Rivertown Assisted Living (#AL12439, 30 Beds / 26 OSS) & Rivertown Senior Care (#AL12565, 20 LMH Beds)
Bristol, Liberty County
(850) 643-5155
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Florida Medicaid Long-Term Care Guide →
Setting up a Qualified Income Trust (Miller Trust) checking account in Bristol or Blountstown for Florida Medicaid LTC eligibility.
Senior Citizen Benefits in Florida →
Protecting FDIC-insured IRA CDs, FRS DROP lump sums, and Payable-on-Death (POD) accounts in Liberty County.
Calhoun Liberty Credit Union (In-County Bristol Branch & Blountstown HQ — NCUA #67431 / #68493) & Envision Credit Union / Addition Financial (#68173 / #68490) — With First Commerce Credit Union (#68301 / #68385 — Six Pillars CFP® Desk) & First Federal / SunState Credit Union Network
Bristol, Liberty County
SR-20 East (Tallahassee — 28 Mi. E of Hosford / 42 Mi. E of Bristol) & SR-20 / SR-71 West SEC-Registered CFP® Fiduciary Wealth Corridor — Part 1: Edward Jones (CRD #250), Raymond James (CRD #705 / #6694), Strategic Planning Partners (Timothy J. Hummel, CFP®) & PlanMember Securities
Bristol, Liberty County
SR-20 East (Tallahassee) Fee-Only & Independent SEC-Registered Investment Adviser (RIA) Corridor — Part 2: Capital City Strategic Wealth (Danny Etheridge, CRPC® CRD #6189560, Ben Bowersox, CFP® & Greg Mayes via LPL #6413), Smith Bruer Advisors (#284508), Thomas Howell Ferguson / Sovereign Wealth (#188524), Koss Olinger (#111855), Buckingham (#143323) & Carson Wealth (#155344)
Bristol, Liberty County
Capital City Trust Company (FL OFR Charter #70239 / Sunbiz #P94000090624) & Capital City Bank (FDIC #9622 — Quincy & West Tallahassee SR-20 Corridor) — With Centennial Bank Trust (#11241), Synovus Trust Company, N.A. (FDIC #873) & Hancock Whitney Bank Trust (FDIC #12051 / #12054)
Bristol, Liberty County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.