Centennial Bank
Total assets
$24.55B
▲ +8.0% YoY
Deposits
$19.56B
▲ +8.8% YoY
Loans
$16.71B
▲ +12.9% YoY
Offices
239
HOME BANCSHARES INC
ROA (annualized)
2.13%
peers 1.23%
ROE (annualized)
12.23%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Centennial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| Deposit growth (YoY) | +8.8% | +5.7% | +3.1 pts |
| Loan growth (YoY) | +12.9% | +6.9% | +5.9 pts |
| ROA | 2.13% | 1.23% | +0.9 pts |
| ROE | 12.2% | 11.2% | +1.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FED
- Holding company
- HOME BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 620 Chestnut St, Conway, AR, 72032
- County
- Faulkner
- Metro area
- Little Rock-North Little Rock-Conway, AR
- Offices
- 239
- FDIC cert #
- 11241
- RSSD ID
- 456045
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.55B | $19.56B | $16.71B | $4.22B | $249.5M | 2.13% | 4.62% | 0.55% |
| Q1 2026 | $23.03B | $18.17B | $15.24B | $4.02B | $124.7M | 2.18% | 4.56% | 0.57% |
| Q4 2025 | $22.72B | $17.90B | $15.30B | $4.00B | $484.9M | 2.14% | 4.60% | 0.55% |
| Q3 2025 | $22.54B | $17.70B | $14.91B | $3.95B | $364.4M | 2.14% | 4.57% | 0.56% |
| Q2 2025 | $22.74B | $17.98B | $14.80B | $3.87B | $239.9M | 2.11% | 4.52% | 0.61% |
| Q1 2025 | $22.92B | $18.10B | $14.67B | $3.85B | $119.3M | 2.10% | 4.48% | 0.56% |
| Q4 2024 | $22.42B | $17.70B | $14.49B | $3.78B | $419.3M | 1.85% | 4.42% | 0.63% |
| Q3 2024 | $22.75B | $17.22B | $14.51B | $3.81B | $313.8M | 1.84% | 4.37% | 0.63% |
Loan mix (Q2 2026): real estate $12.81B · commercial $2.22B · consumer $1.28B · securities $4.03B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.23% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.3% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.55% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 54.9% | 17th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Centennial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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