CENTENNIAL BANK

CONWAY, AR | Regional | Est. Jan. 1, 1903, midnight | FDIC #11241 | RSSD #456045 | FED
Latest Report: 2025-12-31

CENTENNIAL BANK is arn regional FDIC-insured commercial bank headquartered in CONWAY, AR, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $22.7B and total deposits of $17.9B. Profitability stands at 2.13% ROA and 12.13% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 14.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 2.74%. FDIC Certificate #11241.

Assets

$22.7B

Deposits

$17.9B

Loans

$15.6B

Equity

$4.0B

Profitability

Return on Assets (ROA) 2.13%
Return on Equity (ROE) 12.13%
Net Interest Margin (NIM) 4.49%
Yield on Assets 6.21%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.74%
NPA Ratio 0.52%
ACL / Loans 1.91%

Capital & Liquidity

CET1 Ratio 14.82%
Tier 1 Capital 14.82%
Total Capital Ratio 16.07%
Leverage Ratio 12.78%
Loan-to-Deposit 87.14%

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