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Centennial Bank
Conway, AR · FDIC Certificate #11241 · Chartered 01/0
Total assets
$24.55B
Total deposits
$19.56B
Total equity
$4.22B
Net loans
$16.71B
Branches (offices)
230
Net income (YTD)
$249.54M
Rank: #89 of 4,213 U.S. banks by assets · #4 of 78 in Arkansas. Assets changed 8.0% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.13% |
| Return on equity | 12.23% |
| Net interest margin (YTD) | 4.62% |
| Equity to assets | 17.18% |
| Tier 1 leverage ratio | 12.61% |
| Uninsured deposits (share of deposits) | 46.7% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 76.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.81B | 76.7% | |
| Commercial & industrial | $2.22B | 13.3% | |
| Consumer / individual | $1.28B | 7.6% | |
| Construction & development | $2.78B | 16.6% | |
| Agricultural | $356.61M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $24.20B | $19.94B | $95.98M | $3.55B |
| Jun 2023 | $22.06B | $17.43B | $226.88M | $3.60B |
| Jun 2024 | $22.85B | $17.46B | $209.98M | $3.72B |
| Jun 2025 | $22.74B | $17.98B | $239.89M | $3.87B |
| Jun 2026 | $24.55B | $19.56B | $249.54M | $4.22B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $7.92B | 82 |
| Arkansas | $5.19B | 74 |
| Texas | $4.19B | 60 |
| Tennessee | $1.75B | 8 |
| Alabama | $397.77M | 5 |
| New York | $126.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $19.56B.
Similar-sized banks
Cathay Bank ($24.64B) · Tristate Capital Bank ($24.26B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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