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

Centennial Bank, including its Happy State Bank division, officially reported a data security incident to the Texas Attorney General on September 17, 2026. This breach compromised a broad range of sensitive customer financial and personal information, raising significant concerns about the bank's security oversight and the potential for financial harm to those affected.

Filed
September 17, 2026
Regulator
Texas AG
People affected
Not stated
File status
Monitoring

What the filing confirms

  • Centennial Bank (including its division Happy State Bank) reported the incident to the Texas Attorney General.
  • Information involved: Full Name, Social Security Number, Financial Account Number, Date of Birth, Routing Number, Credit Score Information, Transaction History, Mailing Address.

Still unknown

  • How many people were affected. The filing does not give a number.
  • What caused the incident beyond the description in the filing.
  • How the attackers got in, and whether basic safeguards such as multi-factor sign-in were in place.
Read the filing at the source

Investigation notes

Centennial Bank, operating with its division Happy State Bank, formally reported a data security incident to the Office of the Texas Attorney General on September 17, 2026. The financial institution confirmed that this event occurred on or about August 7, 2026, indicating a period where customer data was vulnerable to unauthorized access or acquisition. This notification initiates an open inquiry into the circumstances surrounding the breach and the bank's security measures.

The compromised information is extensive and highly sensitive. It includes Full Name, Social Security Number, Financial Account Number, Date of Birth, Routing Number, Credit Score Information, Transaction History, and Mailing Address. The aggregation of these specific data points presents a severe risk, as it provides malicious actors with critical components needed for advanced identity theft, fraudulent account takeovers, and other financial crimes.

As a financial institution, Centennial Bank is subject to rigorous federal and state regulations, including the Gramm-Leach-Bliley Act (GLBA), which mandates the protection of customer nonpublic personal information. The occurrence of a breach involving such a wide array of sensitive data suggests potential failures in upholding these legal obligations. Our investigation will examine whether the bank implemented adequate administrative, technical, and physical safeguards required to prevent such an intrusion.

Receiving a data breach notification letter from Centennial Bank means your private information was confirmed to be exposed. This confirmation can be crucial for understanding your legal standing. Victims are not typically required to demonstrate immediate financial loss to pursue legal action; the increased risk of future identity theft and fraud due to compromised data can be sufficient.

If you have received a data breach notification, you may have legal recourse. Our firm is actively monitoring this Centennial Bank data breach and its impact on affected individuals. We offer a free, no-obligation case review to help you understand your rights and potential options. There are no upfront costs, and we are only compensated if we successfully recover on your behalf.

What our attorneys examine

A cyberattack does not excuse a company from protecting the information it holds. We look at whether Centennial Bank (including its division Happy State Bank) used reasonable security, how long it kept the data, and how quickly it told the people affected. Those questions decide whether a class action or individual claim is possible. Read more on how ransomware lawsuits work, or browse other incident files in Texas.

Centennial Bank data breach questions

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.
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.
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.
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.
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.
Do I need a Centennial Bank data breach lawyer or attorney?
An attorney can read your notice and tell you whether a claim makes sense. A case review here is free, and data breach cases are usually handled on contingency, so there is no upfront cost.
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.

Other open files in Texas

Attorney advertising. An incident file reflects a public regulator filing and our review of it; 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.