BlastPoint's Banking Scorecard
Centennial Bank
Conway, AR
243 branches across FL · AR · TX · TN · AL · NY
Centennial Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 23.5% in tier
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio 14.21% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.0B
+0.5% YoY
+1.4% QoQ
|
-$24.3B |
$47.4B
-2.0% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.0% YoY
|
44% |
| Total Loans ? |
$15.2B
+3.9% YoY
-0.3% QoQ
|
-$14.4B |
$29.6B
-0.4% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.7% YoY
|
46% |
| Total Deposits ? |
$18.2B
+0.4% YoY
+1.6% QoQ
|
-$20.6B |
$38.7B
-1.6% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.0% YoY
|
41% |
| Return on Assets ? |
2.18%
+3.6% YoY
+1.9% QoQ
|
+0.90% |
1.28%
+19.3% YoY
|
1.34%
+14.2% YoY
|
1.24%
+13.1% YoY
|
Top 5.2% in tier |
| Net Interest Margin ? |
4.56%
+1.7% YoY
-1.0% QoQ
|
+0.79% |
3.77%
+5.6% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Top 11.1% in tier |
| Efficiency Ratio ? |
39.70%
-3.3% YoY
-0.2% QoQ
|
-14.21% |
53.90%
-4.0% YoY
|
61.77%
-4.8% YoY
|
66.84%
-3.8% YoY
|
Top 14.1% in tier |
| Delinquency Rate ? |
0.59%
-3.3% YoY
+6.3% QoQ
|
-0.43% |
1.02%
-4.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
83.88%
+3.5% YoY
-1.9% QoQ
|
+3.00% |
80.88%
+2.0% YoY
|
80.49%
+1.3% YoY
|
76.69%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
24.37%
-4.8% YoY
+1.8% QoQ
|
+4.55% |
19.82%
+0.3% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.1% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.57%
+0.7% YoY
+3.5% QoQ
|
-0.16% |
0.73%
+4.0% YoY
|
0.79%
+32.8% YoY
|
0.66%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
15.12%
+4.6% YoY
+2.0% QoQ
|
-0.45% |
15.56%
-0.1% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.17%
+6.8% YoY
-77.0% QoQ
|
-0.06% |
0.23%
+0.9% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.0% YoY
|
52% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.