Central Bank (Little Rock, AR)
BankRegReports is independent of Central Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Central Bank is an FDIC-insured commercial bank headquartered in Little Rock, AR, established in 1912 (FDIC certificate 1756), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $954.6M, up 20.9% from Q2 2025, the 26th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 10.32% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1756
- Headquarters
- Little Rock, AR
- Established
- 1912
- Total assets, Q2 2026
- $954.6M
- Assets vs Q2 2025
- +20.9%
- CET1 ratio, Q2 2026
- 10.32%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082008923
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 26th of 78 in Arkansas
Problem loans are rising at Central Bank. Its balance sheet stood at $955 million at June 30, 2026, up 20.9% from a year earlier; it is based in Little Rock, Arkansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.76% of loans from 1.08% a year earlier. It spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 3.80% on its deposits and borrowings, about double the median of 1.80% for banks its size.
The commercial and industrial book ($232 million) is worsening: 7.65% of it is past due or on nonaccrual, up from 0.78% a year earlier. The non-owner-occupied commercial real estate book ($88 million) is worsening: 35.30% of it is past due or on nonaccrual, up from 1.90% a year earlier. Where it has less room is capital: it holds common equity equal to 10.32% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Central Bank reported a CET1 capital ratio of 10.32%, a return on assets of 1.00%, a nonperforming-loan ratio of 4.76% and a Texas ratio of 43.31%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Central Bank is the 26th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $954.6M, loans rose 0.9% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 28.2% of total loans, followed by owner-occupied commercial real estate loans at 20.6%. Its 3 offices in the FDIC Summary of Deposits are in Little Rock, AR and Bentonville, AR; its Little Rock 2 offices book 88% of its branch deposits. Judged on its Q2 2026 call report, Central Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1506 Market St, Little Rock, AR 72211
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 12, 1912
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $743.4M
- Allowance for credit losses
- $11.6M
- Net charge-offs (YTD)
- $2.7M
- Average total assets
- $946.6M
- Average total loans
- $823.3M
- Average interest-bearing deposits
- $647.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1756
- Fed RSSD
- 3488579
- Website
- http://www.centralbankar.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 4203005)
- Ultimate Parent
- CROSS COUNTY BANCSHARES, INC. (RSSD 1131611)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Central Bank's total assets ranged from $541.5M (Q3 2023) to $954.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$954.6M total assets against $789.4M; $866.9M total liabilities against $711.5M.
$809.2M net loans and leases against $679.0M; $743.4M total deposits against $634.4M.
$47.2M securities against $50.0M; $78.3M cash and balances due against $45.6M.
$15.1M total interest income against $13.7M; $7.9M total interest expense against $6.7M.
$7.2M net interest income against $7.0M.
$652K total noninterest income against $748K; $2.8M total noninterest expense against $2.3M.
$2.2M provision for credit losses against $725K.
$2.4M net income against $3.3M.
1.00% return on assets against 1.72%; 3.05% net interest margin against 3.62%.
10.32% CET1 capital ratio against 10.90%; 9.37% tier 1 leverage ratio against 10.28%.
Inside the full Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Bank rankings
Its closest position to the top of a national ranking is 23 of 3,640, for Texas Ratio; its furthest is 2,064 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2025) to 1.92% (Q4 2024) and its net interest margin ran from 2.68% (Q4 2025) to 3.72% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.00% | 4.76% | 43.31% | 3.05% |
| Q1 2026 | 10.23% | 1.17% | 4.83% | 40.79% | 3.17% |
| Q4 2025 | 10.28% | 0.54% | 1.70% | 13.86% | 2.68% |
| Q3 2025 | 10.96% | 1.58% | 1.69% | 13.17% | 3.63% |
| Q2 2025 | 10.90% | 1.72% | 1.08% | 8.50% | 3.62% |
| Q1 2025 | 11.08% | 1.90% | 1.16% | 8.94% | 3.64% |
| Q4 2024 | 11.13% | 1.92% | 0.99% | 7.42% | 3.63% |
| Q3 2024 | 9.10% | 1.82% | 1.12% | 10.45% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Bank (main office) | Little Rock , AR | 72211 | $633.0M |
| Bentonville Branch | Bentonville , AR | 72712 | $87.0M |
| Markham Street Branch | Little Rock , AR | 72205 | $23.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in AR, rank 31 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 97 applications, 91 loans originated, $40.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $204K approved, $204K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Central Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Central Bank
What are Central Bank's total assets?
As of the Q2 2026 filing, Central Bank reported total assets of $954.6 million in its FFIEC call report.
Where is Central Bank headquartered?
It is headquartered in Little Rock, AR, United States.
When was Central Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank?
Central Bank's primary federal regulator is the FDIC.
What is Central Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.32% in its Q2 2026 call report, above regulatory requirements.
How many branches does Central Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank's Texas Ratio?
Its Texas Ratio is 43.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Central Bank.
Get an email when Central Bank files its next call report, and benchmark it against any peer you choose.
Unlock Central Bank, freeFree account