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Centennial Bank

$10B-$250B Specialty: Commercial AR FDIC cert 11241

Conway, AR

243 branches across FL · AR · TX · TN · AL · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in AR.
  • Deposits +8.8% year over year ($19.6B on the books).
  • Delinquency rate 0.56%.
  • Return on assets 2.13%.
  • Efficiency ratio 41.31% vs a 53.67% peer average.
  • Loan-to-deposit ratio 85.40% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in AR
View $10B-$250B leaderboard (AR) →

Centennial Bank shows strong momentum with 4 strengths and 8.0% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 45.7% in tier
  • + Net Interest Margin 0.70% above tier average
  • + Efficiency Ratio 12.36% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Centennial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $24.6B
+8.0% YoY +6.6% QoQ
-$19.1B $43.6B
-13.8% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $16.7B
+12.9% YoY +9.6% QoQ
-$11.3B $28.0B
-8.6% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $19.6B
+8.8% YoY +7.6% QoQ
-$15.9B $35.4B
-14.0% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 2.13%
+0.7% YoY -2.3% QoQ
+0.74% 1.39%
+25.9% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 8.6% in tier
Net Interest Margin ? 4.62%
+2.2% YoY +1.4% QoQ
+0.70% 3.92%
+8.9% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 12.2% in tier
Efficiency Ratio ? 41.31%
+1.4% YoY +4.1% QoQ
-12.36% 53.67%
-1.9% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Top 13.7% in tier
Delinquency Rate ? 0.56%
-14.2% YoY -5.5% QoQ
-0.46% 1.01%
-2.8% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 85.40%
+3.7% YoY +1.8% QoQ
+2.79% 82.61%
+3.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 25.03%
-0.3% YoY +2.7% QoQ
+4.45% 20.58%
+4.9% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.55%
-8.6% YoY -2.6% QoQ
-0.18% 0.73%
+5.8% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 14.83%
+1.6% YoY -1.9% QoQ
-0.52% 15.35%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.34%
-2.8% YoY +101.4% QoQ
-0.16% 0.50%
+10.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 25.0%
-0.1pp YoY
+0.7pp QoQ
 +4.0pp 21.0% 19.6% 22.2% 61%
Brokered Deposits 3.0%
+0.6pp YoY
+0.6pp QoQ
 -6.2pp 9.2% 7.2% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 13.3%
-0.5pp YoY
-0.5pp QoQ
 -3.9pp 17.2% 12.7% 12.5% 40%
CRE 59.5%
-0.2pp YoY
-0.9pp QoQ
 +17.5pp 42.0% 41.0% 41.4% 85%
1-4 Family 15.2%
+0.8pp YoY
+1.5pp QoQ
 -7.9pp 23.1% 28.1% 31.3% 30%
Consumer 7.6%
-0.6pp YoY
-0.6pp QoQ
 -5.2pp 12.9% 4.5% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 14.8%
+0.2pp YoY
-0.3pp QoQ
 -0.4pp 15.3% 15.1% 19.7% 76%
Leverage Ratio 12.6%
+0.2pp YoY
-0.3pp QoQ
 +2.2pp 10.4% 11.9% 12.6% 91%
Total Capital Ratio 16.1%
+0.2pp YoY
-0.3pp QoQ
 -0.4pp 16.5% 16.3% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 2,684
+101 (+3.9%) YoY
+114 (+4.4%) QoQ
 -574 3,258 315 482 64%
Assets per Employee ($) $9.1M
+3.9% YoY
+2.1% QoQ
 -$17.9M $27.0M $6.7M $8.8M 22%
Branch Count 243
+10 (+4.3%) YoY
+9 (+3.8%) QoQ
 +105 137 25 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.4% 30%
Nonaccrual 0.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.7% 1.1% 1.0% 45%
Allowance Coverage 3.52x
+20.3% YoY
+6.5% QoQ
 +0.71x 2.81x 4.69x 20.23x 85%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.4pp 0.4% 0.2% 0.2% 29%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 12.2%
-0.3pp YoY
-0.2pp QoQ
 -0.4pp 12.6% 12.3% 11.6% 60%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 2.0% 2.0% 1.7% 40%
Net Income ($, YTD) $249.5M
+4.0% YoY
— QoQ
 -$47.3M $296.8M $16.0M $40.4M 68%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#17 of 35 • Top 45.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.13%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

13
Return on Assets
profitability
Value: 2.13%
Peer Median: 1.39%
#13 of 139 Top 8.6% in $10B-$250B
18
Net Interest Margin
profitability
Value: 4.62%
Peer Median: 3.92%
#18 of 139 Top 12.2% in $10B-$250B
20
Efficiency Ratio
profitability
Value: 41.31%
Peer Median: 53.67%
#20 of 139 Top 13.7% in $10B-$250B
35
Tier 1 Capital Ratio
capital
Value: 14.83%
Peer Median: 15.35%
#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available
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