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Centennial Bank
Conway, AR·FDIC Cert #11241·Charter: STATE·Est. 19030101.0·HC: HOME BANCSHARES INC
Total Assets
$22.7B
Q4 2025
Return on Assets
2.14%
-0.01%Peer avg: 1.15%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
39.76%
Peer avg: 53.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.14%-0.01
ROE
12.46%-0.11
Efficiency
39.76%-0.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.48%+1.26
Charge-offs
0.02%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.8 | 1.8 | 1.8 | 2.1 | 2.1 | 2.1 | 2.1 |
| ROE | 11.3 | 11.4 | 11.2 | 11.2 | 12.5 | 12.5 | 12.6 | 12.5 |
| Efficiency | 42.4 | 42.0 | 41.3 | 41.1 | 41.1 | 40.7 | 40.3 | 39.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.7 | 0.7 | 0.6 | 0.7 | 0.6 | 0.6 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.4 | -0.1 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 81.9 | 83.0 | 84.3 | 81.9 | 81.1 | 82.3 | 84.2 | 85.5 |
Balance Sheet
Total Assets$22.7B
Total Deposits$17.9B
Total Loans$15.3B
Total Equity$4.0B
Profitability
ROA2.14%
ROE12.46%
Efficiency Ratio39.76%
Net Income$484.9M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.02%
Loan/Deposit85.48%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans