# CENTENNIAL BANK
DENVER, CO · FDIC certificate 26853 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $749.1M | |
| Deposits | $656.6M | |
| Loans and leases | $581.8M | |
| Total equity | $75.1M | |
| Loans / deposits | 87.06% (p59 of band) | 82.78% |
| Liquid assets / assets | 18.35% (p30 of band) | |
| Uninsured deposits / deposits | 25.93% (p69 of band) | 20.30% |
| Brokered deposits | 5.92% | |
| Wholesale funding | 7.86% (p57 of band) | |
| FHLB advances / assets | 0.91% | |
| Tier 1 leverage | 9.27% (p29 of band) | 10.05% |
| Unrealized securities loss / equity | -0.34% (p23 of band) | 0.46% |
| AOCI / equity | -0.66% (p27 of band) | |
| ROA (annualized) | 0.29% (p7 of band) | 0.91% |
| Net interest margin | 3.88% (p69 of band) | 3.59% |
| Efficiency ratio | 67.24% (p44 of band) | |
| Noncurrent loans | 1.33% (p75 of band) | 0.71% |
| Net charge-offs (annualized) | 0.26% (p89 of band) | |
| Reserve coverage of noncurrent | 132.16% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 107.69% (p92 of band) | |
| Auto loans | $35,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | brokered >10% |  |
| 2011-09 | 2 |  | brokered >10% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 4 | brokered >10%, reserve under noncurrent |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 2 |  | losing money, expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | capital falling | brokered >10% |
| 2014-03 | 4 | brokered >10%, construction >100% equity |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | brokered >10%, construction >100% equity |
| 2015-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | construction >100% equity | charge-offs p90 |

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

- 2026-09-03 [A-State and Centennial Bank Announce Football Jersey Patch Sponsorship - Arkansas State Red Wolves](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQbHhQcFpoUkd1QmVrVjEzeDJuWkJSTzFnaFExZE5ldzFwbExnSTJEenB5M1hfSWtEcUxxWDhPOERILTlHTVd4em8tU1BtelMwR0NUS1NZMHFSYXpzTTAxVUNUYXZhelluTDRpTnVUa0dyc0xPNFFtLWNuWWU2MDNOVW9KTER6U25XWkItWXNfWGh2NFZ0TVJIWGxEeG10TklaTFE3Xzc4bjkzUTBGci10c2NQTUJDZElh?oc=5) · Arkansas State Red Wolves
- 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
- 2026-04-07 [Centennial Bank enters Nashville market through $150M acquisition - Nashville Post](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOaTB4dkFVa1dUY1pubUplaDk2eG1RMXFjYnpyOEp2NlRUSkxuQUVKcGNjc19PZ2NJNmpyako1QnR2ZWl2OHlfbTl2OVZzRTVHeXRzWWJ2TzBGcXJEdEhySGRkNHdFcWYxZUdvc0ljRHRlVUhJazkwZXg4WUtaQ044LWJkcm95OEhnaFByZHU2alduRjJ4MTlrZUs5dHd1bENwUTNDdGlYaGxqYzI4NGNHN25HcUNuREdLQlRpR1ZvYkh3b0dVaFFLNHc5LWFCb3pvSFBROUxJZGpKblIyMV9CZUlVX1NQdUdj?oc=5) · Nashville Post
- 2026-04-15 [Home BancShares first quarter 2026 earnings report expected Wednesday - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxQYkRFMklzUXFpQ1pLTUtfeGpscWVmdHhoaXJFaHB5Mzl5NEZrNzd4XzlHRzRsY1h0QW9YbFpPS0hoSHFqN2E2NWpRUVppYXdiQ2pyOWxYSkpTQURVTnNuNnZreVF1bVJnWVBTcGN6VWFvdElkMzE4QVRkYk9Rb2JiMjVyd2I5SFVKMjZjRjlfbnNETEhWd3Vr?oc=5) · The Arkansas Democrat-Gazette
- 2026-04-15 [Centennial Bank's parent company announces key acquisition - Panama City News Herald](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQZU1TUlRJZm5VMGhRamdiT2JYSnIxNnU5aHdVLVl2UlM4MEdIUnZCcmJiOGZDdG1BRnFkVGFxcGNfSlBQdVFWbzBIMzhHRngtdGtOa2o3RHBsc25hX1ctRHhVT0RYakM0cDZ6N0x6aUp5cmNIZk5rTVp5T1NtNnpyRXJuZVFmZGFSQmdsMWk4SHEwdTUxVFlYTWxndUZaZ191T0t2MTJyemQxNFlzNGJmbmtTY3V3ek9KSk9wS0FvT21faXRNUTJ5ZkJkZTlOdkJfb0lhcDJhNDU4M3JQUW5WSWliZjRRNDcteHc?oc=5) · Panama City News Herald
- 2026-08-03 [Jacksonville Bank Branch Sale Brings $1.68M (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMisAFBVV95cUxPV0xfa1cwNmcycVhMTjh6N1QzTElVTHhlazVFdmxTMTB2QmJRbEt2X1FkbTJWYi05eVkwbFZub1Q4c3JKLVlVc2JMNUc3cFVIM25URy0tX1NCUXR1VWlzSUlFSGtTZUQ4V0ltWndSc0owQmg4VmhLY2xXa25BWnN6U3NvdXpnRm5WcWh6alBlNkgycmhwQnVxaVdVUzd4cVRzbkVrLUVBZE8tSGVlZkYxWA?oc=5) · Arkansas Business
- 2026-04-01 [Home BancShares acquires Mountain Commerce Bank parent company - WJHL](https://news.google.com/rss/articles/CBMimwFBVV95cUxNeEZmdzAxQU11VW5vVjc0ZDV2UFFndU5zbXA0aXBoaWswS1pYVkluUHY5YlEtOUVldGhmT1NYcV92anBaWWVKR2sxSThqRXl5V3kzbXNGOWZfeTExemRUVEtqZXlnZE52bFlEMTNlNFlscmFFTGk2NEZOWGZjcGpjVGlXN1VrSUFkMU9ybGRZTDhRTmNRV21TaGRLWdIBoAFBVV95cUxPcjJsbDFsVndFUmJVNXllb09wcVRuaE1VMTczaFREcjBsX2JoRmkyU1NVUGlLWV9UWDRtMnl3a3E2UVpzUU82WUU4NXdDQ1pkV3RaMFdBTlJMaEFkU1FkS1RiTkxoQ1R6ZExjMC1QMEVIY1dHYUpZX05falZzMEs3UlFWb3lDYWg2Z1I1cEpKcFdITTBCS3RoQ0NpaHZlR3pi?oc=5) · WJHL
- 2026-08-03 [Former Centennial Bank CEO Tracy French dies - Talk Business & Politics](https://news.google.com/rss/articles/CBMihAFBVV95cUxQbEJHd1F4M2FOQ1lwOHBSRFhnZGJ1MVhsSzRQVGR3TTFBZzRWb005YWhqbmUzSTdTSmtXcVhmMk1YaThtM2R4TUhPc2Z4MGlEM0NjYjlVLXAzUmhRTktWWndOdUw3QV8zdG1rLVBxZ3NpdEJOWlRBa1NoT254TjJTem1xLVU?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26853 (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/37.json (key "26853", 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