FDIC Cert #11241 · Conway, Arkansas · Est. 1903

Centennial Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$22.7B
Total assets
A
Health grade · Excellent
2.14%
Return on assets
14.8%
Tier 1 capital

Data updated July 2026

The verdict

Centennial Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.82% Tier 1, profitable at 2.14% ROA, efficient (40% cost ratio).

#95
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
14.82%
Tier 1 ratio - above the 10% well-capitalized line
93rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 11241 · AR A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #315/4307
  • PHOTO-FINISH Liberty National Bank · OK
  • TIER1-WELL 14.8% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-STRONG 2.14% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Liberty National Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Centennial Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Centennial Bank · AR · this …95/100Exchange Bank and Tr… · LA ·…95/100Liberty National Bank · OK ·…95/100Security State Bank · TX · n…95/100Teutopolis State Bank · IL ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Centennial Bank · July 2026

What Centennial Bank's Call Report plate shows

Centennial Bank (FDIC Cert #11241) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #315 of 4,307. Tier 1 capital prints at 14.82%, clearing the 10% well-capitalized line. The Texas Ratio is 1.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.14%. Balance-sheet scale is $22.7B, 95th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Liberty National Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Centennial Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Centennial Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Centennial Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Centennial Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Centennial Bank's composite health score
Tier 1 Capital Ratio (14.82%) 35/40
Return on Assets (ROA) (2.14%) 25/25
Texas Ratio (1.98%) 20/20
Efficiency Ratio (39.76%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$22.7B

Total balance-sheet footings

Total Deposits

$17.9B

Customer-funded liabilities

Net Loans

$15.3B

Outstanding loan book

Net Income

$485M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.42% 14.82% 16.22%
Basel III capital ratios - Centennial Bank

Where Centennial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Centennial Bank's score of 95/100 falls in the highlighted band.

Centennial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Centennial Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Centennial Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Centennial Bank's $22.7B falls in the highlighted band.

Safety ratios for Centennial Bank

Tier 1 capital ratio
Well-capitalized 10%

14.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.82%
Texas Ratio
1.98%
Equity Capital
$4.0B

What these ratios mean →

Earnings posture at Centennial Bank

Return on Assets (ROA)
93rd percentile nationally
2.14%
Return on Equity (ROE)
12.46%
Efficiency Ratio
39.76%

What these mean →

Income & expense at Centennial Bank

$1.3B
Interest Income
$165M
Non-Interest Income
$435M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Centennial Bank reports a Texas Ratio of 1.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Centennial Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Centennial Bank by assets

Centennial Bank is closely matched in total assets by State Bank of India, Mechanics Bank, Beacon Bank and Trust, TriState Capital Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.82%, versus Centennial Bank's own 2.14%; the average efficiency ratio is 47.36%, versus 39.76% here; and average Tier 1 capital sits at 11.96%, versus 14.82% at Centennial Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $22.7B in assets, Centennial Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Centennial Bank nationally by total assets
  1. 1
    State Bank of India $22.6B

    New York, NY · Grade F

  2. 2
    Mechanics Bank $22.4B

    Walnut Creek, CA · Grade A

  3. 3
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  4. 4
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

  5. 5
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

  6. 6
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Centennial Bank (this bank) AR $22.7B 2.14% 39.76% 14.82%
State Bank of India NY $22.6B 0.00% 0.00% 0.00%
Mechanics Bank CA $22.4B 1.44% 55.79% 15.59%
Beacon Bank and Trust MA $23.2B 0.63% 65.46% 11.22%
TriState Capital Bank PA $23.3B 0.78% 47.15% 17.94%
First Hawaiian Bank HI $24.0B 1.19% 55.64% 13.10%
Bank of Hawaii HI $24.1B 0.87% 60.14% 13.89%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($22.7B here), outside Arkansas so the neighborhood is not state containment.

State Bank of India $22.6B · NY Mechanics Bank $22.4B · CA Beacon Bank and Trust $23.2B · MA TriState Capital Bank $23.3B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Centennial Bank (FDIC Cert #11241) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Centennial Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%
Southern Bancorp BankArkadelphia $2.8B B 0.81%