Centennial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets climbed 1.90 percentage points in Q2 2026, from 67.49% to 69.38%. It was the largest change from Q1 2026 among the key lines here. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.04B |
| Net loans and leases | $16.71B |
| Loans held for sale | $211.1M |
| Loans to total assets | 69.38% |
| Loan-to-deposit ratio | 87.08% |
| Net loans to equity capital | 3.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.58% |
| Multifamily (5+ residential) | 7.45% |
| Commercial and industrial | 13.06% |
| Consumer | 7.50% |
| Credit cards | 0.00% |
| Farm | 1.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 251.71% |
| Construction concentration (Tier 1 capital + allowance) | 85.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.01% |
| Interest income on loans | $298.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $14.27B | $16.98B | 39.34% | 15.38% | 8.08% |
| Q4 2023 | $14.42B | $17.27B | 38.48% | 16.12% | 8.00% |
| Q1 2024 | $14.51B | $17.36B | 38.70% | 15.74% | 8.01% |
| Q2 2024 | $14.78B | $17.46B | 37.88% | 15.17% | 8.05% |
| Q3 2024 | $14.82B | $17.22B | 37.08% | 14.06% | 8.22% |
| Q4 2024 | $14.76B | $17.70B | 36.76% | 13.70% | 8.36% |
| Q1 2025 | $14.95B | $18.10B | 37.38% | 13.68% | 8.21% |
| Q2 2025 | $15.08B | $17.98B | 36.60% | 13.54% | 8.08% |
| Q3 2025 | $15.19B | $17.70B | 35.95% | 13.43% | 8.12% |
| Q4 2025 | $15.59B | $17.90B | 33.72% | 13.87% | 8.04% |
| Q1 2026 | $15.54B | $18.17B | 34.51% | 13.59% | 8.07% |
| Q2 2026 | $17.04B | $19.56B | 34.58% | 13.06% | 7.50% |
Centennial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedule RC-C, 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)