Centennial Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of funds: 1.08 percentage points higher than in Q1 2026, at 2.72%. Within Arkansas, Centennial Bank is 13th of 78 on net interest margin, 4.54% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.59% on net interest margin. Centennial Bank sits 0.95 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 7.01% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 3.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $298.1M |
| Total interest expense | $92.8M |
| Interest expense on deposits | $87.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.97% | 1.63% | 4.20% | 7.02% | 3.28% |
| Q4 2023 | 6.14% | 1.93% | 4.16% | 7.22% | 3.28% |
| Q1 2024 | 6.20% | 2.06% | 4.10% | 7.31% | 3.27% |
| Q2 2024 | 6.32% | 2.12% | 4.18% | 7.46% | 3.22% |
| Q3 2024 | 6.43% | 2.18% | 4.25% | 7.62% | 3.17% |
| Q4 2024 | 6.36% | 1.98% | 4.37% | 7.52% | 3.09% |
| Q1 2025 | 6.17% | 1.84% | 4.33% | 7.27% | 3.02% |
| Q2 2025 | 6.22% | 1.85% | 4.37% | 7.32% | 3.01% |
| Q3 2025 | 6.34% | 1.86% | 4.49% | 7.42% | 3.06% |
| Q4 2025 | 6.29% | 1.77% | 4.54% | 7.31% | 3.07% |
| Q1 2026 | 6.07% | 1.64% | 4.42% | 7.03% | 3.02% |
| Q2 2026 | 6.23% | 2.72% | 4.54% | 7.01% | 3.51% |
Centennial Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centennial Bank, freeSource: Call Report Schedules RI and RC-K, 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)