Centennial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centennial Bank of Conway, AR against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.04% | 1.34% | +0.70% | 93rd top |
| ROAE Behind the peer average, ahead of the median peer. | 12.12% | 12.25% | -0.13% | 60th above |
| Net Interest Margin | 4.54% | 3.68% | +0.86% | 89th top |
| Efficiency Ratio | 42.17% | 53.86% | -11.69% | 85th top |
| PPNR / Avg Assets | 2.66% | — | — | 87th top |
| Yield on Earning Assets | 6.23% | 5.58% | +0.65% | 89th top |
| Cost of Funds | 2.72% | 1.99% | +0.73% | 16th bottom |
| Net Interest Spread | 3.73% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 1.09% | -0.54% | 63rd above |
| NPA / Total Assets | 0.55% | — | — | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.36% | -0.22% | 49th below |
| ACL / Total Loans | 1.93% | — | — | 93rd top |
| ACL / NPLs (Coverage) | 352.14% | — | — | 86th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.32% | 5.43% | -1.11% | 48th below |
| Provision / NCO | 89.67% | — | — | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.83% | 14.50% | +0.33% | 76th top |
| Tier 1 Ratio | 14.83% | 14.60% | +0.23% | 75th top |
| Total Capital Ratio | 16.09% | — | — | 76th top |
| Leverage Ratio | 12.61% | 10.26% | +2.35% | 90th top |
| Equity / Assets | 17.18% | 11.55% | +5.63% | 96th top |
| TCE / Tangible Assets | 11.88% | — | — | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.08% | 83.97% | +3.11% | 48th below |
| Core Deposit Ratio | 90.74% | 86.78% | +3.96% | 50th above |
| Uninsured Deposit Ratio | 46.72% | 38.93% | +7.79% | 26th below |
| Wholesale Funding Ratio | 2.48% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.99% | — | — | 62nd above |
| Loan Growth (Y/Y) | 12.93% | — | — | 71st above |
| Deposit Growth (Y/Y) | 8.82% | — | — | 62nd above |
See Centennial Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centennial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Centennial Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Centennial Bank peer analysis.