Centennial Bank (Conway, AR): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Centennial Bank is one of the more profitable banks of its size. It reported $24.6 billion in assets at June 30, 2026, up 8.0% from a year earlier. It earns about $2.04 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also funds 12.61% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.25%). Much of that comes from cost control: it spends about 42 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 12.9% and deposits rose 8.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $327 million equal 11% of Tier 1 capital, down from 17% a year earlier. Funding is the softer spot: it pays an average of 2.72% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, Centennial Bank reported a CET1 capital ratio of 14.83%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 4.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 620 Chestnut St, Conway, AR 72032
- County
- Faulkner
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1903
- Former names
- First State Bank (1999-2008)
- Offices
- 239 domestic
- Employees (FTE)
- 2,684
- Domestic deposits
- $19.56B
- Allowance for credit losses
- $328.4M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $24.53B
- Average total loans
- $17.02B
- Average interest-bearing deposits
- $8.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11241
- Fed RSSD
- 456045
- SEC CIK
- 1331520 → filed by HOME BANCSHARES, INC.
- Website
- http://www.my100bank.com →
- Parent Holding Company
- HOME BANCSHARES, INC. (RSSD 1491409) · HOMB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Tipton John Stephen | CEO | Centennial Bank CEO |
| John W Allison | CHR | Chairman & CEO |
| Kevin Hester | PRES | President and CLO |
| Brian Davis | CFO | Chief Financial Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Centennial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Centennial 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.
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.
Centennial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Centennial Bank: Uninsured deposits.
Banks merged into Centennial Bank
- Mountain Commerce Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 2.04% | 0.56% | 4.32% | 4.54% |
| Q1 2026 | 15.12% | 2.17% | 0.59% | 4.38% | 4.42% |
| Q4 2025 | 14.82% | 2.11% | 0.55% | 4.23% | 4.54% |
| Q3 2025 | 14.80% | 2.19% | 0.58% | 4.36% | 4.49% |
| Q2 2025 | 14.60% | 2.10% | 0.66% | 4.97% | 4.37% |
| Q1 2025 | 14.46% | 2.10% | 1.28% | 4.68% | 4.33% |
| Q4 2024 | 14.17% | 1.86% | 1.35% | 5.35% | 4.37% |
| Q3 2024 | 13.91% | 1.80% | 0.69% | 5.27% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 230 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Main Avenue Branch | Erwin , TN | 37650 | $841.6M |
| Port Saint Joe Branch | Port Saint Joe , FL | 32456 | $716.8M |
| Centennial Bank (main office) | Conway , AR | 72032 | $709.6M |
| Coral Ridge Branch | Fort Lauderdale , FL | 33308 | $634.6M |
| Jonesboro Main Office Branch | Jonesboro , AR | 72401 | $581.5M |
| Dade City Branch | Dade City , FL | 33525 | $475.2M |
| Amarillo - Taylor Branch | Amarillo , TX | 79101 | $423.1M |
| Marathon Branch | Marathon , FL | 33050 | $358.5M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $343.1M |
| Jupiter Branch | Jupiter , FL | 33458 | $340.3M |
| Riverdale Branch | Little Rock , AR | 72202 | $318.8M |
| Canyon Branch | Canyon , TX | 79015 | $264.0M |
| Brentwood Branch | Brentwood , TN | 37027 | $250.8M |
| Lubbock - 98th Branch | Lubbock , TX | 79424 | $244.0M |
| Plainview Branch | Plainview , TX | 79072 | $226.9M |
| West Main Branch | Cabot , AR | 72023 | $224.9M |
| Canadian Branch | Canadian , TX | 79014 | $207.8M |
| Fort Lauderdale Main Branch | Fort Lauderdale , FL | 33304 | $200.9M |
| Punta Gorda Branch | Punta Gorda , FL | 33950 | $196.3M |
| Amarillo - Soncy Branch | Amarillo , TX | 79119 | $181.4M |
| Fort Lauderdale Downtown Branch | Fort Lauderdale , FL | 33316 | $175.1M |
| Mountain Commerce Branch | Knoxville , TN | 37919 | $175.0M |
| Davie Branch | Davie , FL | 33324 | $168.8M |
| Post Branch | Post , TX | 79356 | $167.0M |
| Dumas Branch | Dumas , TX | 79029 | $166.7M |
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, 2026 | M&A | Acquired Mountain Commerce Bank merger for the acquired bank | SEC |
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Mountain Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2022 | M&A | Acquired Happy State Bank merger for the acquired bank | SEC |
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Happy State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 2017 | M&A | Acquired Stonegate Bank merger for the acquired bank | SEC |
| September 27, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 27, 2017 | Structure Change | Acquired Stonegate Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2017 | M&A | Acquired The Bank of Commerce merger for the acquired bank | SEC |
| March 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2017 | Structure Change | Acquired The Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 24, 2017 | M&A | Acquired Landmark Bank, National Association merger for the acquired bank | SEC |
| February 24, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 2017 | Structure Change | Acquired Landmark Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2015 | M&A | Acquired Bay Cities Bank merger for the acquired bank | SEC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired Bay Cities Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | M&A | Acquired Doral Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 28, 2015 | Structure Change | Acquired Doral Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 24, 2014 | M&A | Acquired Broward Bank of Commerce merger for the acquired bank | SEC |
| October 24, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 2014 | Structure Change | Acquired Broward Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2014 | M&A | Acquired Florida Traditions Bank merger for the acquired bank | SEC |
| July 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2014 | Structure Change | Acquired Florida Traditions Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2014 | M&A | Acquired Centennial Trust Company merger for the acquired bank | SEC |
| February 26, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 26, 2014 | Structure Change | Acquired Centennial Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 2013 | M&A | Acquired Liberty Bank of Arkansas merger for the acquired bank | SEC |
| October 24, 2013 | Structure Change | Acquired Liberty Bank of Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2012 | M&A | Acquired Premier Bank merger for the acquired bank | SEC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2012 | M&A | Acquired Heritage Bank of Florida failure_government_assistance_provided for the acquired bank | SEC |
| November 3, 2012 | Structure Change | Acquired Heritage Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 2, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 17, 2012 | M&A | Acquired Vision Bank merger for the acquired bank | SEC |
| February 17, 2012 | Structure Change | Acquired Vision Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 20, 2010 | M&A | Acquired Gulf State Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| November 20, 2010 | Structure Change | Acquired Gulf State Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 19, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 2, 2010 | M&A | Acquired Wakulla Bank failure_government_assistance_provided for the acquired bank | SEC |
| October 2, 2010 | Structure Change | Acquired Wakulla Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 31, 2010 | M&A | Acquired Coastal Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| July 31, 2010 | Structure Change | Acquired Coastal Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 48 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Centennial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.8% of deposits in AR, rank 6 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,150 applications, 2,868 loans originated, $1.00B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $9.9M approved, $762K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Centennial Bank
What are Centennial Bank's total assets?
As of the Q2 2026 filing, Centennial Bank reported total assets of $24.55 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Centennial Bank headquartered?
Centennial Bank is headquartered in Conway, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Centennial Bank founded?
Centennial Bank was established in 1903, per the FDIC institution directory.
Is Centennial Bank FDIC-insured?
Yes. Centennial Bank is an FDIC-insured commercial bank (FDIC Certificate #11241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Centennial Bank?
Centennial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Centennial Bank's CET1 capital ratio?
Centennial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Centennial Bank operate?
Centennial Bank operates 239 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Centennial Bank's Texas Ratio?
Centennial Bank's Texas Ratio is 4.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Centennial Bank previously called?
The charter now named Centennial Bank has also operated as First State Bank (1999-2008), per FDIC structure-change records.
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