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Centennial Bank (including its division Happy State Bank) data breach

Centennial Bank, including its Happy State Bank division, reported a data breach that exposed sensitive customer financial information. This incident puts affected individuals at risk of identity theft and financial fraud as critical personal and banking details were compromised.

Incident readout

Company
Centennial Bank (including its division Happy State Bank)
Reported to
Texas Attorney General
Filed
September 17, 2026
People affected
Not stated in the filing
Incident type in filing
Not stated
Our review
Monitoring
Read the official filing

Was this a ransomware attack?

The filing does not say ransomware was involved. We do not label an incident ransomware unless the company’s report says so. Whatever the cause, the steps to protect yourself and the legal question are the same.

Information listed in the filing

  • Full Name
  • Social Security Number
  • Financial Account Number
  • Date of Birth
  • Routing Number
  • Credit Score Information
  • Transaction History
  • Mailing Address

What we know

Centennial Bank, which includes its Happy State Bank division, recently disclosed a data security incident impacting its customers. The breach was detected on August 7, 2026, and formally reported on September 17, 2026, indicating that sensitive personal and financial information may have been accessed without authorization.

The compromised data sets include a range of highly sensitive personal identifiers. Specifically, the information exposed consists of your Full Name, Social Security Number, Financial Account Number, Date of Birth, Routing Number, Credit Score Information, Transaction History, and Mailing Address.

This combination of data is particularly valuable to cybercriminals. With it, bad actors can attempt to open new financial accounts in your name, take over existing accounts, file fraudulent tax returns, or engage in other forms of identity theft and financial fraud that can be difficult to detect and resolve.

If you have received a data breach notification letter from Centennial Bank, it is crucial to take immediate action. We recommend reviewing the letter for specific details and considering placing a fraud alert or freezing your credit with the three major credit bureaus (Equifax, Experian, and TransUnion). Regularly monitor your bank statements, credit card activity, and credit reports for any suspicious transactions or new accounts.

Financial institutions like Centennial Bank are entrusted with safeguarding your most sensitive personal and financial data. They are subject to strict regulatory requirements, such as the Gramm-Leach-Bliley Act, which mandate robust security measures. A data breach suggests that these protective measures may have been insufficient, potentially leading to the exposure of your information.

Receiving a data breach notification means your personal information was put at risk. Our firm is actively investigating this incident and offers a free, no-obligation case review to help you understand your legal rights and options. There are no upfront fees for our services.

See every breach reported in Texas or read what to do after a ransomware attack.

After the Centennial Bank incident: what to do and your options

What should I do after getting the Centennial Bank data breach notice?
Keep the letter and the envelope, and note the date it arrived. Freeze your credit with Equifax, Experian and TransUnion, change any passwords the notice mentions, and sign up for any free credit monitoring the letter offers. Then check whether you may have a claim.
How many people were affected by the Centennial Bank data breach, and what was exposed?
The filing does not give a count of affected people and lists the following information as involved: Full Name, Social Security Number, Financial Account Number, Date of Birth, Routing Number, Credit Score Information, Transaction History, Mailing Address. Your own letter is the best guide to what was exposed about you, since notices are usually tailored to each person.
Did Centennial Bank offer free credit monitoring?
Any free monitoring Centennial Bank is offering will be described in the notice you received, along with an activation code and a sign-up deadline. Because Social Security numbers are listed in this filing, identity monitoring and a credit freeze matter more than usual. Signing up doesn't waive any legal rights you may have.
Where can I see the official Centennial Bank breach notice?
Centennial Bank's report is published by the Texas Attorney General: https://oag.my.site.com/datasecuritybreachreport/apex/DataSecurityReportsPage#BR-0005334 Compare it with the letter you received to confirm the dates and details match.
Can I sue Centennial Bank over the data breach?
It depends on what was exposed, the law in Texas and your own state, and whether you've been harmed. Most people take part through a class action rather than suing alone. Keep your notification letter — it's the proof that connects you to the breach.
Do I need a Centennial Bank data breach lawyer or attorney?
Whether the company's systems were encrypted by ransomware or data was simply taken, the legal question is the same: did it protect your information the way the law requires? An attorney can review your notice for free, and these cases are usually handled on contingency.
Is there a Centennial Bank data breach class action lawsuit?
Law firms often open an investigation after a breach notice like this one, and a class action lawsuit may follow. This page doesn't confirm that a lawsuit has been filed against Centennial Bank. You usually don't have to join a class action to be included — if a settlement is reached, class members are notified and can file a claim.
Is the Centennial Bank data breach letter legit or a scam?
A notice from Centennial Bank in the mail matches the breach Centennial Bank reported to the Texas Attorney General on September 17, 2026. Check that the company name and dates in your letter match that filing. A real notice of data security incident won't ask for your password, Social Security number or a payment — if it does, contact Centennial Bank through a phone number or website you find yourself.
How much could a Centennial Bank data breach settlement or claim be worth?
There is no set amount, and no Centennial Bank settlement is confirmed here. In past data breach settlements, payments depended on what data was exposed and on documented losses — fraud, out-of-pocket costs and time spent dealing with the breach. The filing lists Full Name, Social Security Number, Financial Account Number as involved. Keep receipts and records; they're what damages claims are built on.

Other breaches reported in Texas

Attorney advertising. This page reflects a public regulator filing; it does not mean a lawsuit has been filed or that the company did anything unlawful. Submitting a review request does not create an attorney-client relationship.