Centennial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Risk-weighted assets rose 6.8% from Q1 2026 to Q2 2026, ending at $19.61B against $18.35B. It was the largest change among the key lines on this page. Within Arkansas, Centennial Bank is 15th of 37 on CET1 ratio, 14.83% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Centennial Bank sits 1.87 points higher, at 14.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.83% |
| Tier 1 risk-based capital ratio | 14.83% |
| Total risk-based capital ratio | 16.09% |
| Tier 1 leverage ratio | 12.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.91B |
| Tier 1 capital | $2.91B |
| Total risk-based capital | $3.15B |
| Total equity capital | $4.22B |
| Risk-weighted assets | $19.61B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.18% |
| Tangible equity to tangible assets | 11.88% |
| Equity capital to average assets | 17.19% |
| Internal capital growth rate | 2.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $3.21B |
| Retained earnings | $1.18B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$169.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.52% | 13.52% | 14.78% | 11.97% | $18.34B |
| Q4 2023 | 13.60% | 13.60% | 14.85% | 11.92% | $18.35B |
| Q1 2024 | 13.70% | 13.70% | 14.96% | 11.76% | $18.42B |
| Q2 2024 | 13.71% | 13.71% | 14.97% | 11.77% | $18.60B |
| Q3 2024 | 13.91% | 13.91% | 15.17% | 11.90% | $18.51B |
| Q4 2024 | 14.17% | 14.17% | 15.43% | 12.23% | $18.38B |
| Q1 2025 | 14.46% | 14.46% | 15.71% | 12.41% | $18.28B |
| Q2 2025 | 14.60% | 14.60% | 15.86% | 12.41% | $18.29B |
| Q3 2025 | 14.80% | 14.80% | 16.05% | 12.71% | $18.28B |
| Q4 2025 | 14.82% | 14.82% | 16.07% | 12.78% | $18.45B |
| Q1 2026 | 15.12% | 15.12% | 16.37% | 12.88% | $18.35B |
| Q2 2026 | 14.83% | 14.83% | 16.09% | 12.61% | $19.61B |
Centennial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Centennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11241) · FFIEC NIC profile (RSSD 456045)