Centennial Bank Data Breach Exposes Customer Financial Data
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.
This breach is real, not a scam. Centennial Bank (including its division Happy State Bank) officially reported it to the Texas Attorney General on September 17, 2026.
Reviewed by David S. Harris, Esq., data breach and class action attorney (Florida Bar No. 0112739). Free consultation: 786-306-7278
Received a Centennial Bank (including its division Happy State Bank) notification letter? Find out in minutes if you qualify for compensation.
Free case review- State
- Texas
- Breach date
- August 7, 2026
- Reported
- September 17, 2026
What may have been exposed
- Full Name
- Social Security Number
- Financial Account Number
- Date of Birth
- Routing Number
- Credit Score Information
- Transaction History
- Mailing Address
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.
What to do if you were affected
Based on the categories of information reported in this filing, these steps can help limit the risk of identity theft and fraud.
Freeze your credit
Place a free credit freeze with Equifax, Experian, and TransUnion. A freeze blocks new accounts from being opened in your name and can be lifted anytime.
Watch your financial accounts
Review bank and card statements for unfamiliar activity and turn on transaction alerts. Report anything you don't recognize to your bank right away.
Stay alert to targeted scams
Be cautious of calls, texts, or emails that reference this breach. Legitimate organizations won't ask you to confirm sensitive details through an unsolicited message.
Keep your notification letter
Save the notice you received. It documents that your information was involved and is often needed to enroll in any credit monitoring offered or to join a related legal claim.
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.
Source: Texas Attorney General filing
Related data breach cases
- Motility Software Solutions
- Dill Dill Carr Stonbraker & Hutchings, P.C.
- Opportune LLP
- Region 9 Education Service Center
- Sherman Independent School District
- Networking Technology, Inc.
- East Chambers Independent School District (Breach was through Frontline Education)
- Photon Health
- Dorsata, Inc.
- Walnut Creek Special Utility District
- Hardi Jefferson ISD
- Citizens Bank
- Computer Task Group, Incorporated
- Heritage Pediatrics PLLC