Centennial Bank Data Breach in Texas Exposes Customer Information
By Data Breach Law Group | Posted on September 17, 2026 · Texas
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
Centennial Bank, including its Happy State Bank division, reported a data breach impacting customers in Texas, exposing sensitive financial and personal details. This security incident places affected individuals at heightened risk of financial fraud and identity theft, prompting an investigation into potential negligence.
Centennial Bank, which operates extensively across Texas and includes its Happy State Bank division, recently disclosed a significant data security incident. The breach, reported on September 17, 2026, involves the compromise of highly sensitive customer information, raising serious concerns for those affected.
Our firm is actively investigating this breach after Centennial Bank's filing indicated exposure of data collected from its banking customers. This incident highlights the critical need for financial institutions to maintain robust cybersecurity measures to protect the integrity of customer data.
The exposed data categories include Full Name, Social Security Number, Financial Account Number, Date of Birth, Routing Number, Credit Score Information, Transaction History, and Mailing Address. The combination of these data types creates a substantial risk for identity theft, unauthorized account access, and targeted phishing scams, which can have long-lasting financial consequences.
Financial institutions like Centennial Bank are obligated under laws such as the Gramm-Leach-Bliley Act to safeguard customer information. A data breach of this nature suggests potential failures in security protocols. Affected individuals should monitor their financial accounts and credit reports for any suspicious activity.
If you received a data breach notification letter from Centennial Bank or Happy State Bank, your personal and financial information may have been compromised. We are offering free case reviews to help you understand your legal options and potential recourse for the risks you now face.
Source: Texas Attorney General breach notification record
If you were affected
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.
Centennial Bank data breach class action lawsuit questions
- 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.
- 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.
- Do I need a Centennial Bank data breach lawyer or attorney?
- If you got a notice, an attorney can tell you whether you fit the group a class action lawsuit would cover. Data breach law firms generally work on contingency, and our case review is free.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Did you receive a letter from Centennial Bank (including its division Happy State Bank)?
A case review is free and confidential. Tell us about your letter and we will explain your options.