Central Bank: how it compares with its peers
Against 26 AR banks with half to twice its assets, Central Bank's strongest measure in Q2 2026 is efficiency ratio (34.55% vs. a 57.61% peer median). Its weakest relative measure is net interest margin (3.22% vs. 3.96%).
| Measure | Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.41% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 3.96% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.55% | 57.61% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $23.3M | $6.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.86% | 85.43% | Context |
What it means for lending operations
Its efficiency ratio of 34.55% is better than the 57.61% 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
- Diamond Bank Murfreesboro, AR · $957M
- Stone Bank Mountain View, AR · $951M
- First Service Bank Greenbrier, AR · $1.02B
- FNBC Bank Ash Flat, AR · $843M
- Generations Bank Rogers, AR · $1.09B
- First Western Bank Booneville, AR · $793M
Questions about Central Bank
How big is Central Bank?
Central Bank, established in 1912, is headquartered in Little Rock, AR. It reported $955M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Central Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.41% median for 26 AR banks with half to twice its assets, ahead of 27% of them.
What is Central Bank's efficiency ratio?
34.55% in Q2 2026: it spent about 35 cents in noninterest expense for each dollar of revenue. The peer median is 57.61%, and lower is better.
Is Central Bank growing its loans?
Net loans grew 19.2% over the year to Q2 2026, while deposits grew 17.2%.
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 AR 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.