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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Centennial Bank

Conway, Arkansas · $24.55B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

17.2%
Equity / assets
1st of 12
2.03%
ROA
1st of 12
0.55%
NPA / loans
2nd of 12

Centennial Bank is the seventh largest of the 12 the South Central states banks nearest its size over $10B, with $24.55B in assets at 30 June 2026. Loans are 87.1% of deposits, 3rd of 12 against a median of 90.8%, and equity is 17.2% of assets, the highest in the cohort. Loans grew +12.9% in the year, 3rd of 12, and deposits grew 8.8%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.55% of the book, 2nd of 12 against a median of 0.92%; 0.17% is 30 to 89 days past due, and the allowance covers them 3.5 times. Commercial real estate is 47.6% of loans, 11th of 12 against a median of 36.9%, and 257% of capital, below the 300% screen, with construction at 88% against the 100% screen.

Return on assets is 2.03%, the highest in the cohort against a median of 1.39%, on an efficiency ratio of 42.2%, 3rd of 12. Five years ago it was 2.02%. The question is what the capital is for: the balance sheet carries less risk than it could.

Return on assetsSouth Central states banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.39% CB Centennial Bank 2.03% SB Servisfirst Bank 1.88% SY Stock Yards Bank & Trust Co. 1.62% BO Bank Ozk 1.61% F Firstbank 1.47% RB Renasant Bank 1.40% FH First Horizon Bank 1.38% TB Trustmark Bank 1.33% OB Origin Bank 1.22% SB Simmons Bank 1.19% HW Hancock Whitney Bank 1.00% AB Arvest Bank 0.53%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Centennial Bank is the 22nd largest 7(a) lender into Florida of 528, with $386M across 465 loans, 1.3% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 90 of its 121 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Broward, FL$48M17th of 2091.6%-1.1 pts
Pinellas, FL$40M11th of 1712.4%-0.7 pts
Hillsborough, FL$33M20th of 1951.5%+0.4 pts
Manatee, FL$30M5th of 1324.3%-1.5 pts
Pasco, FL$26M1st of 1344.6%-4.8 pts
Monroe, FL$26M1st of 7316.1%quiet FY2022
Sarasota, FL$26M8th of 1383.2%quiet FY2018
Orange, FL$21M27th of 2011.0%+0.3 pts
Miami-Dade, FL$20M39th of 2150.5%-0.4 pts
Charlotte, FL$18M2nd of 996.2%quiet FY2021
Pulaski, AR$17M6th of 1104.0%thin
Santa Rosa, FL$14M2nd of 679.3%quiet FY2020
Palm Beach, FL$12M45th of 1950.5%-0.4 pts
108 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services144$101M18.1%0.13%142nd of 2,596
Retail trade178$74M13.4%0.12%136th of 2,589
Manufacturing87$59M10.7%0.15%122nd of 2,246
Construction86$51M9.2%0.16%102nd of 2,063
Health care & social assistance98$49M8.8%0.10%137th of 2,172
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Centennial Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans CB Centennial Bank 1.3% $386M · 465 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Centennial BankRankCohort median
Total CRE against capital, the 300% screen257%7th of 12252%
Construction against capital, the 100% screen88%10th of 1267%
Construction and land development, share of loans16.3%11th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans23.8%8th of 1221.4%
Total CRE, the guidance definition, share of loans47.6%11th of 1236.9%
CRE growth over 36 months, the third prong+19.8%7th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Centennial BankCohort median
20212026Change20212026Change
Loans$10.20B$17.04B+67%$10.62B$17.56B+65%
Deposits$14.11B$19.56B+39%$14.43B$19.75B+37%
NPA / loans0.58%0.55%-0.03 pts0.61%0.92%+0.31 pts
Efficiency37.9%42.2%+4.3 pts62.9%55.5%-7.4 pts
ROA2.02%2.03%+0.01 pts1.40%1.39%-0.01 pts

This read was prepared for Centennial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Centennial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.my100bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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