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

Central Bank

Little Rock, Arkansas · $955M in assets · beside the 11 other Arkansas banks between $300M and $1B

The filing

110.4%
Loans / deposits
12th of 12
4.76%
NPA / loans
12th of 12
34.5%
Efficiency
1st of 12

Central Bank is the second largest of the 12 Arkansas banks nearest its size between $300M and $1B, with $955M in assets at 30 June 2026. Loans are 110.4% of deposits, the highest in the cohort against a median of 88.4%, and equity is 9.2% of assets, 8th of 12. Loans grew +19.2% in the year, the fastest in the cohort, and deposits grew 17.2%; the cohort's median loan growth is +8.7%.

Noncurrent loans are 4.76% of the book, the highest in the cohort against a median of 0.70%; 2.23% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.66% of loans, the highest in the cohort. Commercial real estate is 29.8% of loans, 7th of 12 against a median of 29.6%, and 246% of capital, below the 300% screen, with construction at 65% against the 100% screen. CRE has grown +83.6% over 36 months, past the guidance's 50% prong.

Return on assets is 1.07%, 10th of 12 against a median of 1.47%, on an efficiency ratio of 34.5%, the lowest in the cohort. Five years ago it was 1.23%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 88.4% MN Malvern National Bank 60.8% CB Citizens Bank & Trust Co. 61.8% FN First National Bank of Eastern Arkansas 72.3% UB Union Bank 77.7% FS First State Bank 84.1% FB FNBC Bank 87.2% DB Diamond Bank 89.5% FW First Western Bank 96.4% SB Stone Bank 98.5% CB Cross Bank 99.5% CB CS Bank 109.1% CB Central Bank 110.4%
Loans, year over yearAR banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.7% CB Central Bank +19.2% FW First Western Bank +13.5% FS First State Bank +12.7% CB CS Bank +9.4% SB Stone Bank +9.2% FB FNBC Bank +8.7% UB Union Bank +8.7% DB Diamond Bank +7.4% CB Cross Bank +5.3% FN First National Bank of Eastern Arkansas +4.8% MN Malvern National Bank +2.9% CB Citizens Bank & Trust Co. -1.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Central BankRankCohort median
Total CRE against capital, the 300% screen246%10th of 12198%
Construction against capital, the 100% screen65%10th of 1260%
Construction and land development, share of loans7.9%4th of 128.9%
Non-owner-occupied nonfarm nonresidential, share of loans10.8%5th of 1213.7%
Total CRE, the guidance definition, share of loans29.8%7th of 1229.6%
CRE growth over 36 months, the third prong+83.6%11th of 12+37.5%
Commercial real estate against capital, the 300% screenAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 198% UB Union Bank 95% DB Diamond Bank 107% CB CS Bank 123% SB Stone Bank 176% MN Malvern National Bank 192% FB FNBC Bank 197% CB Cross Bank 199% FN First National Bank of Eastern Arkansas 220% CB Citizens Bank & Trust Co. 241% CB Central Bank 246% FS First State Bank 248% FW First Western Bank 279%
CRE growth over 36 months, the guidance's third prongAR banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +37.5% MN Malvern National Bank +11.1% DB Diamond Bank +15.2% CB Citizens Bank & Trust Co. +17.3% FW First Western Bank +18.8% SB Stone Bank +20.6% FN First National Bank of Eastern Arkansas +36.2% CB CS Bank +38.8% FB FNBC Bank +43.2% CB Cross Bank +45.0% FS First State Bank +64.2% CB Central Bank +83.6% UB Union Bank +191.0%

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
Diamond Bank$957M1.4%57.7%0.58%0.01%1.1%89.5%8.7%
Central Bank$955M1.1%34.5%4.76%0.66%1.4%110.4%9.2%
Stone Bank$951M1.6%53.1%1.04%0.25%1.4%98.5%7.9%
FNBC Bank$843M1.6%62.5%0.79%0.06%1.9%87.2%8.1%
First Western Bank$793M1.1%68.0%0.76%0.00%0.9%96.4%8.8%
Malvern National Bank$728M1.0%68.8%0.09%0.01%2.0%60.8%9.3%
Union Bank$710M2.4%51.3%0.26%0.06%1.5%77.7%11.3%
First State Bank$665M0.6%57.6%0.04%0.00%1.1%84.1%16.4%
CS Bank$628M2.1%57.4%1.37%0.12%1.7%109.1%11.9%
Cross Bank$593M1.9%41.9%2.47%0.01%1.8%99.5%10.5%
First National Bank of Eastern Arkansas$589M1.1%62.4%0.64%0.17%1.5%72.3%10.9%
Citizens Bank & Trust Co.$566M1.5%47.7%0.20%0.10%1.5%61.8%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Central BankCohort median
20212026Change20212026Change
Loans$247M$821M+233%$288M$508M+77%
Deposits$306M$743M+143%$447M$641M+43%
NPA / loans0.00%4.76%+4.76 pts0.44%0.70%+0.26 pts
Efficiency44.4%34.5%-9.8 pts55.9%57.5%+1.6 pts
ROA1.23%1.07%-0.17 pts1.44%1.47%+0.02 pts

This read was prepared for Central 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 Central 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 AR banks $300M to $1B
Institution www.centralbankar.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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