Centennial Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.46 percentage points higher than in Q1 2026, at 92.90%. Centennial Bank ranks 39th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 87.08% (Q2 2026). At 87.08%, Centennial Bank's loan-to-deposit ratio is close to the 86.87% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.05B |
| Cash and noninterest-bearing balances to assets | 4.26% |
| Cash and securities | $5.08B |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $158.7M |
| Other borrowed money | $450.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.83% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.08% |
| Net loans and leases to deposits | 85.40% |
| Loans and leases to core deposits | 92.90% |
| Core deposits to total deposits | 90.74% |
| Brokered deposits to total deposits | 3.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 84.03% | 93.88% | $160.1M | $1.00B |
| Q4 2023 | 83.51% | 92.83% | $142.1M | $1.30B |
| Q1 2024 | 83.62% | 92.77% | $176.1M | $1.30B |
| Q2 2024 | 84.66% | 92.69% | $138.0M | $1.30B |
| Q3 2024 | 86.10% | 92.19% | $179.4M | $1.30B |
| Q4 2024 | 83.43% | 92.28% | $162.3M | $600.8M |
| Q1 2025 | 82.62% | 91.85% | $161.4M | $600.5M |
| Q2 2025 | 83.91% | 91.80% | $140.8M | $550.5M |
| Q3 2025 | 85.84% | 91.23% | $146.0M | $550.5M |
| Q4 2025 | 87.14% | 91.90% | $155.8M | $500.2M |
| Q1 2026 | 85.52% | 92.15% | $157.4M | $500.2M |
| Q2 2026 | 87.08% | 90.74% | $158.7M | $450.2M |
Centennial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedules RC and RC-M, 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)