Centennial Bank (Conway, AR)
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Data as of · sourced from FFIEC call reports. How we update
Centennial Bank is an FDIC-insured commercial bank headquartered in Conway, AR, established in 1903 (FDIC certificate 11241), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $24.55B, up 8.0% from Q2 2025, the 4th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 14.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11241
- Headquarters
- Conway, AR
- Established
- 1903
- Total assets, Q2 2026
- $24.55B
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 14.83%
- Domestic offices
- 243 FDIC institution directory, current count
- Routing number
- 082902757
- Latest call report
- Q2 2026, FFIEC 041 · Centennial Bank call report
- Holding company
- HOME BANCSHARES, INC.
- Asset rank in state
- 4th of 78 in Arkansas
Centennial Bank is one of the more profitable banks of its size. It reported $24.6 billion in assets at June 30, 2026, up 8.0% from a year earlier. It earns about $2.04 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also funds 12.61% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.25%). Much of that comes from cost control: it spends about 42 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 12.9% and deposits rose 8.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $327 million equal 11% of Tier 1 capital, down from 17% a year earlier. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, Centennial Bank reported a CET1 capital ratio of 14.83%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.32%. The figures come from its call report filed with the FFIEC.
Centennial Bank ranks as the 4th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.6% to $24.55B, loans rose 9.6% and deposits rose 7.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 23.8% of total loans, ahead of construction and land development loans at 16.3%. On its Q2 2026 call report, Centennial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 620 Chestnut St, Conway, AR 72032
- County
- Faulkner
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1903
- Former names
- First State Bank (1999-2008)
- Domestic offices
- 243 FDIC institution directory, current count
- Employees (FTE)
- 2,684
- Domestic deposits
- $19.56B
- Allowance for credit losses
- $328.4M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $24.53B
- Average total loans
- $17.02B
- Average interest-bearing deposits
- $8.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11241
- Fed RSSD
- 456045
- SEC CIK
- 1331520 → filed by HOME BANCSHARES, INC.
- Website
- http://www.my100bank.com →
- Parent Holding Company
- HOME BANCSHARES, INC. (RSSD 1491409) · HOMB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John W Allison | CEO | Chairman & CEO |
| Kevin Hester | PRES | President and CLO |
| Brian Davis | CFO | Chief Financial Officer |
| Tipton John Stephen | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Centennial Bank's total assets moved between a low of $21.88B (Q3 2023) and a high of $24.55B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$24.55B total assets against $22.74B; $20.33B total liabilities against $18.87B.
$16.71B net loans and leases against $14.80B; $19.56B total deposits against $17.98B.
$4.03B securities against $4.17B; $1.05B cash and balances due against $1.10B.
$338.7M total interest income against $320.4M; $92.8M total interest expense against $95.0M.
$245.9M net interest income against $225.3M.
$44.3M total noninterest income against $43.0M; $127.0M total noninterest expense against $110.5M.
$5.2M provision for credit losses against $3.0M.
$124.9M net income against $120.6M.
2.04% return on assets against 2.10%; 4.54% net interest margin against 4.37%.
14.83% CET1 capital ratio against 14.60%; 12.61% tier 1 leverage ratio against 12.41%.
Inside the full Centennial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Centennial Bank rankings
Its closest position to the top of a national ranking is 88 of 4,196, for total assets; its furthest is 926 of 2,134, for CET1 ratio.
Metric pages for Centennial Bank: Uninsured deposits.
Banks merged into Centennial Bank
- Mountain Commerce Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.80% (Q3 2024) to 2.19% (Q3 2025) and its net interest margin ran from 4.25% (Q3 2024) to 4.54% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 2.04% | 0.55% | 4.32% | 4.54% |
| Q1 2026 | 15.12% | 2.17% | 0.58% | 4.38% | 4.42% |
| Q4 2025 | 14.82% | 2.11% | 0.54% | 4.23% | 4.54% |
| Q3 2025 | 14.80% | 2.19% | 0.56% | 4.36% | 4.49% |
| Q2 2025 | 14.60% | 2.10% | 0.64% | 4.97% | 4.37% |
| Q1 2025 | 14.46% | 2.10% | 0.60% | 4.68% | 4.33% |
| Q4 2024 | 14.17% | 1.86% | 0.67% | 5.35% | 4.37% |
| Q3 2024 | 13.91% | 1.80% | 0.68% | 5.27% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
View all 230 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Main Avenue Branch | Erwin , TN | 37650 | $841.6M |
| Port Saint Joe Branch | Port Saint Joe , FL | 32456 | $716.8M |
| Centennial Bank (main office) | Conway , AR | 72032 | $709.6M |
| Coral Ridge Branch | Fort Lauderdale , FL | 33308 | $634.6M |
| Jonesboro Main Office Branch | Jonesboro , AR | 72401 | $581.5M |
| Dade City Branch | Dade City , FL | 33525 | $475.2M |
| Amarillo - Taylor Branch | Amarillo , TX | 79101 | $423.1M |
| Marathon Branch | Marathon , FL | 33050 | $358.5M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $343.1M |
| Jupiter Branch | Jupiter , FL | 33458 | $340.3M |
| Riverdale Branch | Little Rock , AR | 72202 | $318.8M |
| Canyon Branch | Canyon , TX | 79015 | $264.0M |
| Brentwood Branch | Brentwood , TN | 37027 | $250.8M |
| Lubbock - 98th Branch | Lubbock , TX | 79424 | $244.0M |
| Plainview Branch | Plainview , TX | 79072 | $226.9M |
| West Main Branch | Cabot , AR | 72023 | $224.9M |
| Canadian Branch | Canadian , TX | 79014 | $207.8M |
| Fort Lauderdale Main Branch | Fort Lauderdale , FL | 33304 | $200.9M |
| Punta Gorda Branch | Punta Gorda , FL | 33950 | $196.3M |
| Amarillo - Soncy Branch | Amarillo , TX | 79119 | $181.4M |
| Fort Lauderdale Downtown Branch | Fort Lauderdale , FL | 33316 | $175.1M |
| Mountain Commerce Branch | Knoxville , TN | 37919 | $175.0M |
| Davie Branch | Davie , FL | 33324 | $168.8M |
| Post Branch | Post , TX | 79356 | $167.0M |
| Dumas Branch | Dumas , TX | 79029 | $166.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | M&A | Acquired Mountain Commerce Bank merger for the acquired bank | SEC |
| April 1, 2026 | Structure Change | Acquired Mountain Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | M&A | Acquired Happy State Bank merger for the acquired bank | SEC |
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Happy State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 2017 | M&A | Acquired Stonegate Bank merger for the acquired bank | SEC |
| September 27, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 27, 2017 | Structure Change | Acquired Stonegate Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2017 | M&A | Acquired The Bank of Commerce merger for the acquired bank | SEC |
| March 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2017 | Structure Change | Acquired The Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2017 | M&A | Acquired Landmark Bank, National Association merger for the acquired bank | SEC |
| February 24, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2017 | Structure Change | Acquired Landmark Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2015 | M&A | Acquired Bay Cities Bank merger for the acquired bank | SEC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired Bay Cities Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | M&A | Acquired Doral Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 28, 2015 | Structure Change | Acquired Doral Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 24, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 2014 | M&A | Acquired Broward Bank of Commerce merger for the acquired bank | SEC |
| October 24, 2014 | Structure Change | Acquired Broward Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2014 | M&A | Acquired Florida Traditions Bank merger for the acquired bank | SEC |
| July 18, 2014 | Structure Change | Acquired Florida Traditions Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2014 | Structure Change | Acquired Centennial Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2014 | M&A | Acquired Centennial Trust Company merger for the acquired bank | SEC |
| October 25, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 2013 | Structure Change | Acquired Liberty Bank of Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 2013 | M&A | Acquired Liberty Bank of Arkansas merger for the acquired bank | SEC |
| December 1, 2012 | M&A | Acquired Premier Bank merger for the acquired bank | SEC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2012 | Structure Change | Acquired Heritage Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 3, 2012 | M&A | Acquired Heritage Bank of Florida failure_government_assistance_provided for the acquired bank | SEC |
| November 2, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 17, 2012 | Structure Change | Acquired Vision Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2012 | M&A | Acquired Vision Bank merger for the acquired bank | SEC |
| November 20, 2010 | Structure Change | Acquired Gulf State Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 20, 2010 | M&A | Acquired Gulf State Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| November 19, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 2, 2010 | M&A | Acquired Wakulla Bank failure_government_assistance_provided for the acquired bank | SEC |
| October 2, 2010 | Structure Change | Acquired Wakulla Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 31, 2010 | Structure Change | Acquired Bayside Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 2010 | M&A | Acquired Coastal Community Bank failure_government_assistance_provided for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.8% of deposits in AR, rank 6 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,150 applications, 2,868 loans originated, $1.00B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $9.9M approved, $762K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Centennial Bank
What are Centennial Bank's total assets?
As of the Q2 2026 filing, Centennial Bank reported total assets of $24.55 billion in its FFIEC call report.
Where is Centennial Bank headquartered?
It is headquartered in Conway, AR, United States.
When was Centennial Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Centennial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centennial Bank?
Centennial Bank's primary federal regulator is the Federal Reserve.
What is Centennial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Centennial Bank operate?
It operates 243 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centennial Bank's Texas Ratio?
Its Texas Ratio is 4.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Centennial Bank previously called?
The charter now named Centennial Bank has also operated as First State Bank (1999-2008), per FDIC structure-change records.
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