# CENTENNIAL BANK
CONWAY, AR · FDIC certificate 11241 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $24.55B | |
| Deposits | $19.56B | |
| Loans and leases | $17.04B | |
| Total equity | $4.22B | |
| Loans / deposits | 85.40% (p48 of band) | 85.78% |
| Liquid assets / assets | 20.70% (p42 of band) | |
| Uninsured deposits / deposits | 46.72% (p74 of band) | 38.39% |
| Brokered deposits | 2.39% | |
| Wholesale funding | 4.87% (p34 of band) | |
| FHLB advances / assets | 1.83% | |
| Tier 1 leverage | 12.61% (p91 of band) | 10.17% |
| Unrealized securities loss / equity | -7.71% (p46 of band) | -7.43% |
| AOCI / equity | -0.07% (p69 of band) | |
| ROA (annualized) | 2.13% (p92 of band) | 1.24% |
| Net interest margin | 4.62% (p89 of band) | 3.57% |
| Efficiency ratio | 41.31% (p18 of band) | |
| Noncurrent loans | 0.55% (p39 of band) | 0.66% |
| Net charge-offs (annualized) | 0.05% (p36 of band) | |
| Reserve coverage of noncurrent | 352.14% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 65.91% (p90 of band) | |
| Auto loans | $3.7M (0.02% of loans; DQ 3.02%, NCO 0.00%) | |
| Loans to nondepository financials | $84.6M (2% of equity) (p31 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 2684 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 2 | construction >100% equity |  |
| 2012-06 | 2 | capital falling | construction >100% equity |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | wholesale funding >15%, capital falling |  |
| 2015-12 | 3 | loans exceed deposits |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | loans exceed deposits |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | uninsured deposits >50% | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 | capital falling | deposits shrinking |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Man said to be armed robs Centennial Bank branch in Cabot - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxPYk9SVHJXSlgwcWpEYW1ZZWhJdndIM1FJeFkwd001OWp6YndDTlpQREZuSlk2UHFINEZZMjd2bHluLVJRcDFTY3g3c3NVQ2FSX0JfaHIwWTdObGJhTWxKTFlQVWJnVnp5Tzc2WmpSSFcxeE0zVEVhZjVJQ1VaM3hON0NFYUFhQjFXSWRSRkg1YzR2NGJFckVHME4tdU9nQQ?oc=5) · The Arkansas Democrat-Gazette
- 2026-09-03 [Arkansas State and Centennial Bank announce football jersey patch sponsorship - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcVduYzdNUFhFNGpRRFJHenp2MHVXYTBETGpPekpfU29VcFFSdEdaT2FIMVYtQlNiNWZIbG93TjlIVW1DMmxfc1JXM3l3Yl95eEJabWtYWHNORkpnUGRrWWoybmVlZ0VqYjljSzhmRkg1YlBFTEo5ZUdkcjltNG54M1FJaVNsS0JKaFJoY0VwRGtaWFRmZno5RUwyNkhLTGhUV19iODlsMUhzX2_SAb8BQVVfeXFMT1hySHNHM2hSNW01dklFeC1uOHlILUxFME5IZEduUE1iWE5mbXJvamItSkhGSHliYUswRjhiLTUwS3BZV1ZhdmVURDIxNlhTLXRFTGQtdkN6b2JsV2dxM0NZVWJrWEN6dXY5b1JqVmRHNXB1Rm5JM19QU0dWRTNZZ1c1R0Nnd2dLMHZLdkdlYUpuZEdoQW9BWGppR3NWLU92SmJia3FSekJ6QmV2RWJXUGlnQXNkeU1yU1hOajFCWE0?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-09-04 [A-State Agrees to Jersey Patch Deal With Centennial Bank - Arkansas Business](https://news.google.com/rss/articles/CBMipAFBVV95cUxQaXkyMlhsMW9DWjNPWlBRcHNQV3BHUFJVUEdXNXVLVjc1UFB1LVRIMHNueGlJUkJmZWJzMjlmWC1KYkNNRjI1YkgtRmVoeUdDTHNXVHhMQmZKVWNkVEUxeDY3eUNvQXFMMlRhZEh2VV9ES0NxQVlHV2JmN0tSWWJYc05kT2k1SGFzWXp0R2lLMFFtUUhlUzFYd010R3lwOWN2VFBmRQ?oc=5) · Arkansas Business
- 2026-07-09 [Centennial Bank names Campbell as in-house corporate counsel - Talk Business & Politics](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMmFyWEtlWUxidGVhQzJOQzd2bmtFVWFwNzllLW9xdWFWZmY3aUxpOE1EYUQ0dGFtR0V1Q0tLRzdCMVVjZ1g4bU1xNG4tdXRCMHR2TFAwOG9nM2FkU1ZFVkRzUHRQLV9PYTJSM2lPbFQ1MWlOUUhZdThxOHI3b0ZkOUNuTUhxU1FmUWcySkFnbThKME5oTERUNEtB?oc=5) · Talk Business & Politics
- 2026-09-04 [Arkansas State agrees to football jersey patch deal with Centennial Bank - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMirgFBVV95cUxOMGhLRlQxX2QwSXdQWVdiSjE3UElsUnpiMEFCT0tsWm5lX2tfRU55bkx6dkRMM3ZnTE4zODU0bkZEaFlNb3BzZG5tSTBSNnV4eHFNMXp5SUljZWhubWFVbE9EQjVxUlhab2VGc2psUXJpTTBoTm5OalB2ZlpYOG1xOXk2MzN1eVNUcHhSMm83TS00LThKSklaMXp1eXNsQmFGaVk5OFF6bHRydURXY1E?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-06-01 [Centennial Bank promotes two to lead Mountain Home branch - Mountain Home Observer](https://news.google.com/rss/articles/CBMihwFBVV95cUxNU05oSXZ6cXYxeDVpc19LU292Sk9ydGhYb2wyeFFscDA4bVNWdU9FWktFQzJicDBGZlN0RDE3Z1dVLTYyS1dMM0lwZUxSU0tQMlZzQjNaeVZ4cWR4cWJ0VHFWd1czUEU0S1l6Y29hY1hlUWtpd2tnT1RyS0Z1NGdhZ1U3ZEFKZDg?oc=5) · Mountain Home Observer
- 2026-07-29 [Centennial Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE1LYTBfZGVGUzhVZm5ST1VKWGJ6UTMtdVJIaTMxN0pFdnpiSE9UVWZ1Zl9jUUVWSVJFRWtFNG43azZzc2pvT1FrTjBDNzRBNjlEXy13ejNWRFhsdDdjbEJjQ1ZJM1lJbGZIaFNaMHZSWXE?oc=5) · reveliolabs.com
- 2026-01-09 [Centennial Bank: Impactful bankers in 2026 - KATV](https://news.google.com/rss/articles/CBMilAFBVV95cUxPREpTVTNOMm5waFkxTExsRkhIN2lzRVUtWlg5a2FUV3RSMW1SalhQN3NnbU1WNUF6c0hSSmlJRVNEczZhSUZaNmdxVVBWaW44b3M3R2FEV0NYcTJlN0JKMThkOXR3ejN3dVpJdHp3dzQzaGZLSjduaFJVNVB1eThWSjZTUHRjUGVhbWM3NnhmdXZKR19O?oc=5) · KATV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11241 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "11241", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide