Centennial Bank
Conway, Arkansas, Faulkner County
$24.6B in total assets, the 92nd largest of 4,309 US banks and 4th of 78 headquartered in Arkansas.
- FDIC certificate
- 11241
- Established
- 1903
- Owned by
- Home Bancshares Inc
- Primary regulator
- FED
- Website
- http://www.my100bank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $24.6B | 55% | $22.4B | |
| Loans | $17.0B | 57% | $14.4B | |
| Deposits | $19.6B | 54% | $18.0B | |
| Return on assets | 2.14% | 94% | 1.29% | |
| Net interest margin | 4.62% | 89% | 3.61% | |
| Efficiency ratio | 41.3% | 14% | 55.2% | |
| Equity to assets | 17.18% | 96% | 11.57% | |
| Loans to deposits | 87% | 51% | 87% |
Growth
Total assets grew 6.9% a year over the last 5 years and 9.9% a year over 10 years, including 5 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | Mountain Commerce Bank Knoxville, TN | $1.8B |
| Apr 2022 | Happy State Bank Happy, TX | $6.7B |
| Sep 2017 | Stonegate Bank Pompano Beach, FL | $3.1B |
| Mar 2017 | The Bank of Commerce Sarasota, FL | $183M |
| Feb 2017 | Landmark Bank, National Association Fort Lauderdale, FL | $396M |
| Oct 2015 | Bay Cities Bank Tampa, FL | $530M |
| Feb 2015 | Doral Bank San Juan, PR | $5.9B |
| Oct 2014 | Broward Bank of Commerce Fort Lauderdale, FL | $180M |
| Jul 2014 | Florida Traditions Bank Dade City, FL | $307M |
| Oct 2013 | Liberty Bank of Arkansas Jonesboro, AR | $2.9B |
| Dec 2012 | Premier Bank Tallahassee, FL | $272M |
| Nov 2012 | Heritage Bank of Florida Lutz, FL | $225M |
| Feb 2012 | Vision Bank Panama City, FL | $653M |
| Nov 2010 | Gulf State Community Bank Carrabelle, FL | $112M |
| Oct 2010 | Wakulla Bank Crawfordville, FL | $402M |
| Jul 2010 | Bayside Savings Bank Port Saint Joe, FL | $64M |
| Jul 2010 | Coastal Community Bank Panama City Beach, FL | $377M |
| Mar 2010 | Key West Bank Key West, FL | $88M |
| Mar 2010 | Old Southern Bank Orlando, FL | $336M |
| Jun 2009 | Centennial Bank Little Rock, AR, an affiliate under the same holding company | $269M |
| Jun 2009 | Twin City Bank North Little Rock, AR, an affiliate under the same holding company | $728M |
| Mar 2009 | Community Bank Cabot, AR, an affiliate under the same holding company | $424M |
| Mar 2009 | Bank of Mountain View Mountain View, AR, an affiliate under the same holding company | $187M |
| Dec 2008 | Marine Bank Marathon, FL, an affiliate under the same holding company | $394M |
Where they operate
231 branches in 91 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Broward County, FL | $1.8B | 2.5% | 7 of 43 |
| Pulaski County, AR | $1.2B | 4.2% | 8 of 33 |
| Faulkner County, AR | $1.2B | 33.4% | 1 of 17 |
| Unicoi County, TN | $909M | 85.8% | 1 of 2 |
| Craighead County, AR | $831M | 19.5% | 1 of 24 |
| Monroe County, FL | $829M | 18.6% | 3 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 86 branches since 2016 (145 to 231, +59.3%). 15 opened, 102 acquired, 31 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 145 | |||
| 2016 | Sold 1 branch to Mainstreet Community Bank of FloridaOpened 3 in 3 states, closed 4 in Arkansas | 3 | 5 | −2 | 143 |
| 2017 | Acquired 3 banksOpened Clearwater, closed 4 in 2 states | 35 | 4 | +31 | 174 |
| 2018 | Opened 3 in 2 statesClosed 10 in Florida | 3 | 10 | −7 | 167 |
| 2019 | Opened Hialeah and Orlando | 2 | 0 | +2 | 169 |
| 2021 | Closed Little Rock | 0 | 1 | −1 | 168 |
| 2022 | Acquired Happy State BankOpened Fort Worth and Round Rock, closed Fort Smith and Lubbock | 63 | 2 | +61 | 229 |
| 2023 | Opened Mexico BeachClosed Mexico Beach | 1 | 1 | 0 | 229 |
| 2024 | Closed 5 in 2 states | 0 | 5 | −5 | 224 |
| 2025 | Opened San AntonioClosed 3 in Arkansas | 1 | 3 | −2 | 222 |
| 2026 through Q2 | Acquired Mountain Commerce BankOpened Johnson City and Rockwall | 9 | 0 | +9 | 231 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 25% | |
| Construction and land | 16% | 6% | |
| 1-4 family residential | 15% | 21% | |
| Business (C&I) | 13% | 17% | |
| Consumer | 8% | 10% | |
| Multifamily | 7% | 8% | |
| Agricultural | 2% | 0% | |
| Farmland | 2% | 1% | |
| Other | 2% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 64% | 62% | |
| Noninterest-bearing | 25% | 20% | |
| Time deposits | 11% | 18% |
Brokered deposits are 3.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.53% | 0.63% |
| Net charge-offs, annualized | 0.07% | 0.14% |
| Reserves to loans | 1.93% | 1.14% |
| Leverage ratio | 12.61% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Broward County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/centennial-bank-conway-ar