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Central Bank

$100M-$1B Specialty: Commercial AR FDIC cert 1756

Little Rock, AR

3 branches across AR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits +17.2% year over year ($743.4M on the books).
  • Delinquency rate 4.83%.
  • Return on assets 1.09%.
  • Efficiency ratio 34.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Central Bank has 1 strength but faces 6 concerns

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

  • + Efficiency Ratio 29.93% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 5.8% in tier
  • - Margin Compression: Bottom 36.5% in tier
  • - Delinquency Rate 3.91% above tier average
  • - Loan-to-Deposit Ratio 30.90% above tier average
  • - Nonperforming Asset Ratio 3.83% above tier average
  • - Net Interest Margin 0.77% below tier average
Get updates when Central 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 ? $954.6M
+20.9% YoY +1.8% QoQ
+$568.0M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
Top 1.4% in tier
Total Loans ? $809.2M
+19.2% YoY +0.9% QoQ
+$550.9M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
Top 0.3% in tier
Total Deposits ? $743.4M
+17.2% YoY +1.0% QoQ
+$416.7M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
Top 4.6% in tier
Return on Assets ? 1.09%
-39.1% YoY -7.6% QoQ
-0.23% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.22%
-13.3% YoY -2.3% QoQ
-0.77% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 34.55%
+26.5% YoY +2.7% QoQ
-29.93% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Top 1.6% in tier
Delinquency Rate ? 4.83%
+340.6% YoY -1.4% QoQ
+3.91% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
Bottom 2.6% in tier
Loan-to-Deposit Ratio ? 108.86%
+1.7% YoY -0.1% QoQ
+30.90% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 3.6% in tier
Non-Interest-Bearing Deposit Share ? 10.26%
-4.6% YoY +1.5% QoQ
-11.77% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
Bottom 11.2% in tier
Nonperforming Asset Ratio ? 4.49%
+377.0% YoY +7.3% QoQ
+3.83% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
Bottom 1.4% in tier
Tier 1 Capital Ratio ? 10.32%
-5.4% YoY +0.8% QoQ
-5.59% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 14.6% in tier
Non-Interest Income / Assets ? 0.13%
-28.5% YoY +103.0% QoQ
-0.43% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
29%

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 10.3%
-0.5pp YoY
+0.2pp QoQ
 -11.9pp 22.1% 19.6% 22.2% 11%
Brokered Deposits 39.9%
+2.9pp YoY
+0.1pp QoQ
 +32.0pp 7.9% 7.2% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 28.6%
+5.6pp YoY
0.0pp QoQ
 +17.1pp 11.6% 12.7% 12.5% 96%
CRE 51.1%
-5.0pp YoY
-0.1pp QoQ
 +11.6pp 39.5% 41.0% 41.4% 72%
1-4 Family 19.6%
-0.6pp YoY
+0.2pp QoQ
 -13.0pp 32.6% 28.1% 31.3% 29%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 4.5% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 10.3%
-0.6pp YoY
+0.1pp QoQ
 -8.5pp 18.8% 15.1% 19.7% 4%
Leverage Ratio 9.4%
-0.9pp YoY
-0.1pp QoQ
 -2.8pp 12.2% 11.9% 12.6% 18%
Total Capital Ratio 11.6%
-0.6pp YoY
+0.1pp QoQ
 -8.4pp 19.9% 16.3% 20.8% 5%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 41
0 YoY
-3 (-6.8%) QoQ
 -18 58 315 482 42%
Assets per Employee ($) $23.3M
+20.9% YoY
+9.3% QoQ
 +$15.8M $7.5M $6.7M $8.8M 100%
Branch Count 3
0 YoY
0 QoQ
 -2 4 25 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 4.8%
+3.7pp YoY
+0.5pp QoQ
 +3.9pp 0.9% 1.1% 1.0% 97%
Allowance Coverage 0.30x
-77.3% YoY
+1.9% QoQ
 -23.86x 24.15x 4.69x 20.23x 3%
Net Charge-off Rate (YTD) 0.7%
+0.7pp YoY
+0.3pp QoQ
 +0.5pp 0.1% 0.2% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 11.8%
-6.4pp YoY
-0.9pp QoQ
 -0.4pp 12.2% 12.3% 11.6% 49%
Cost of Funds (YTD) 3.5%
0.0pp YoY
0.0pp QoQ
 +1.8pp 1.7% 2.0% 1.7% 100%
Net Income ($, YTD) $5.0M
-25.6% YoY
— QoQ
 +$2.5M $2.6M $16.0M $40.4M 87%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#9 of 138 • Bottom 5.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 34.55%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#113 of 307 • Bottom 36.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.09%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

8
Total Loans
size
Value: $809.22M
Peer Median: $258.35M
#8 of 2643 Top 0.3% in $100M-$1B
37
Total Assets
size
Value: $954.59M
Peer Median: $386.57M
#37 of 2643 Top 1.4% in $100M-$1B
43
Efficiency Ratio
profitability
Value: 34.55%
Peer Median: 64.48%
#43 of 2643 Top 1.6% in $100M-$1B
123
Total Deposits
size
Value: $743.39M
Peer Median: $326.73M
#123 of 2643 Top 4.6% in $100M-$1B

Top Weaknesses (6 metrics)

2607
Nonperforming Asset Ratio
credit_quality
Value: 4.49%
Peer Median: 0.67%
#2607 of 2643 Bottom 1.4% in $100M-$1B
2565
Delinquency Rate
credit_quality
Value: 4.83%
Peer Median: 0.92%
#2565 of 2633 Bottom 2.6% in $100M-$1B
2549
Loan-to-Deposit Ratio
liquidity
Value: 108.86%
Peer Median: 77.95%
#2549 of 2643 Bottom 3.6% in $100M-$1B
2349
Non-Interest-Bearing Deposit Share
funding
Value: 10.26%
Peer Median: 22.03%
#2349 of 2643 Bottom 11.2% in $100M-$1B
2259
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.91%
#2259 of 2643 Bottom 14.6% in $100M-$1B
2203
Net Interest Margin
profitability
Value: 3.22%
Peer Median: 3.99%
#2203 of 2643 Bottom 16.7% in $100M-$1B
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