Centennial Bank: how it compares with its peers
Against 93 U.S. banks with half to twice its assets, Centennial Bank's strongest measure in Q2 2026 is return on assets (2.13% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($9.1M vs. $12.4M).
| Measure | Centennial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.21% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 3.62% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.31% | 55.13% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $12.4M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.40% | 85.99% | Context |
What it means for lending operations
Its efficiency ratio of 41.31% is better than the 55.13% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cathay Bank Los Angeles, CA · $24.64B
- Simmons Bank Pine Bluff, AR · $24.73B
- TriState Capital Bank Pittsburgh, PA · $24.26B
- Rockland Trust Company Rockland, MA · $24.97B
- Bank of Hawaii Honolulu, HI · $23.81B
- First Hawaiian Bank Honolulu, HI · $23.65B
Questions about Centennial Bank
How big is Centennial Bank?
Centennial Bank, established in 1903, is headquartered in Conway, AR. It reported $24.55B in total assets in its Q2 2026 FDIC call report and operates 239 offices.
What is Centennial Bank's return on assets?
2.13% annualized in Q2 2026, against a 1.21% median for 93 U.S. banks with half to twice its assets, ahead of 92% of them.
What is Centennial Bank's efficiency ratio?
41.31% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 55.13%, and lower is better.
Is Centennial Bank growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.