Centennial Bank

620 Chestnut Street
Conway, AR 72032


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11241
Date Established 1903
Assets $15.27 billion
Loans $10.95 billion
Deposits $11.42 billion
Capital $2.71 billion

Centennial Bank is an FDIC insured institution located in Conway, AR. It was founded in 1903 and has approximately $15.27 billion in assets. Customers can open an account at one of its 207 branches.

For a more detailed analysis of Centennial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 - Learn MoreShow Less
3 Mo CD
0.05% $500 - Learn MoreShow Less
6 Mo CD
0.10% $500 - Learn MoreShow Less
12 Mo CD
0.20% $500 - Learn MoreShow Less
18 Mo CD
0.20% $500 - Learn MoreShow Less
24 Mo CD
0.35% $500 - Learn MoreShow Less
30 Mo CD
0.35% $500 - Learn MoreShow Less
36 Mo CD
0.35% $500 - Learn MoreShow Less
48 Mo CD
0.35% $500 - Learn MoreShow Less
60 Mo CD
0.55% $500 - Learn MoreShow Less

Fixed IRA
0.20% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $2,499 Learn MoreShow Less
Int Ckg
0.02% $2,500 $9,999 Learn MoreShow Less

Loan Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Centennial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,130 $1,123 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.662% 3.625% 0.50 $1,150 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Centennial Bank
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Centennial Bank Locations

Financial Details

Centennial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Centennial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Centennial Bank U.S. Bank Average
2.72% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Centennial Bank had $62,802,000 in non-current loans and $13,734,000 in owned real estate. To cover these potential losses it had $2,707,500,000 in equity and $106,066,000 in loans loss reserves. That gives it a Texas Ratio of 2.72%.

Return on Equity
Centennial Bank U.S. Bank Average
11.77% 9.50%

Centennial Bank has a Return on Equity of 11.77% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Centennial Bank U.S. Bank Average
17.73% 12.76%

Centennial Bank has a Capitalization of 17.73% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Centennial Bank Balance Sheet Analysis

As of June 30, 2019, Centennial Bank had assets of $15,274,024,000, loans of $10,947,063,000, and deposits of $11,421,829,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.55 billion
Interest-bearing balances $0.37 billion
Total securities $2.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $10.95 billion
Loan loss allowance $0.11 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $1.00 billion
All other assets $0.43 billion
     Total Assets $12.57 billion
Total deposits $11.42 billion
      Interest-bearing deposits $8.77 billion
      Deposits held in domestic offices $11.42 billion
      % insured (estimated) 57.90%
Federal funds purchased and repurchase agreements $0.14 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.90 billion
Subordinated debt $0.00 billion
All other liabilities $0.10 billion
      Total Liabilities $12.57 billion
      Shareholders’ Equity $2.71 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.37 billion
Total Interest Expense $0.07 billion
Net interest income $0.30 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.04 billion
Total non interest expense $0.13 billion
Pre-tax Net Operating Income $0.21 billion

Bank Loan Profile?

The top three loan types in Centennial Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.

Compared to other banks in Arkansas, Centennial Bank has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.92
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 7.46
Construction and Development Loans 17.64
Commercial Real Estate 41.07
Commercial and Industrial Loans 13.84
Farm Loans 0.74

Frequently Asked Questions About Centennial Bank

Branches and Savings

Is Centennial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11241.

Why does Centennial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Centennial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Centennial Bank a commercial bank?


Where are Centennial Bank locations?

See branch locations nearby.

Is Centennial Bank open on Saturdays?

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Do Centennial Bank checks expire?

Does Centennial Bank require US citizenship to open account?

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What is Centennial Bank's SWIFT code?


Does Centennial Bank offer mortgages?

Compare mortgage rates here.

Does Centennial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Centennial Bank offer personal loans?

Compare personal loan rates here.

Does Centennial Bank offer student loans?

Will Centennial Bank cash a check?

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Background on The Bank

Who owns Centennial Bank?

How long has Centennial Bank been around?

Can Centennial Bank transfer to other banks?

Does Centennial Bank have quick pay?

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