Centennial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.60 percentage points higher than in Q1 2026, at 352.14%. Within Arkansas, Centennial Bank is 8th of 78 on return on assets, 2.04% as of Q2 2026. Centennial Bank's return on assets of 2.04% is well above the 1.29% median for banks in the $10B-100B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.83% |
| Tier 1 risk-based capital ratio | 14.83% |
| Total risk-based capital ratio | 16.09% |
| Tier 1 leverage ratio | 12.61% |
| Equity capital to assets | 17.18% |
| Tangible equity to tangible assets | 11.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 4.32% |
| Allowance for credit losses to loans | 1.93% |
| Reserve coverage of non-performing loans | 352.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 12.12% |
| Net interest margin | 4.54% |
| Efficiency ratio | 42.17% |
| Yield on earning assets | 6.23% |
| Cost of funds | 2.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.08% |
| Core deposits to total deposits | 90.74% |
| Brokered deposits to total deposits | 3.00% |
| Deposits to assets | 79.68% |
| Securities to assets | 16.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.52% | 13.52% | 14.78% | 11.97% | 1.81% |
| Q4 2023 | 13.60% | 13.60% | 14.85% | 11.92% | 1.55% |
| Q1 2024 | 13.70% | 13.70% | 14.96% | 11.76% | 1.81% |
| Q2 2024 | 13.71% | 13.71% | 14.97% | 11.77% | 1.85% |
| Q3 2024 | 13.91% | 13.91% | 15.17% | 11.90% | 1.80% |
| Q4 2024 | 14.17% | 14.17% | 15.43% | 12.23% | 1.86% |
| Q1 2025 | 14.46% | 14.46% | 15.71% | 12.41% | 2.10% |
| Q2 2025 | 14.60% | 14.60% | 15.86% | 12.41% | 2.10% |
| Q3 2025 | 14.80% | 14.80% | 16.05% | 12.71% | 2.19% |
| Q4 2025 | 14.82% | 14.82% | 16.07% | 12.78% | 2.11% |
| Q1 2026 | 15.12% | 15.12% | 16.37% | 12.88% | 2.17% |
| Q2 2026 | 14.83% | 14.83% | 16.09% | 12.61% | 2.04% |
Centennial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)