What is Centennial Bank's financial health grade?

Centennial Bank has a TFS Financial Health Grade of B (score: 85.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Centennial Bank have?

Centennial Bank has 234 branch locations across the United States.

Is Centennial Bank FDIC insured?

Yes, Centennial Bank is FDIC insured (Certificate #11241).

What are the total assets of Centennial Bank?

Centennial Bank has total assets of $22.7B as reported in its most recent FDIC filing.

How many CFPB complaints has Centennial Bank received?

Centennial Bank has received 100 consumer complaints filed with the CFPB, with 26 in the last 12 months.

Centennial Bank

BankConway, Arkansas

http://www.my100bank.com

Total Assets

$22.7B

Total Deposits

$17.9B

Branches

234

Established

1903

TFS Health Grade

85.9 / 100

Good financial health

How we grade

Centennial Bank is a bank headquartered in Conway, Arkansas, established in 1903. With $22.7B in total assets and 234 branch locations, it has a TFS Financial Health Grade of B (85.9/100). The CFPB has received 100 consumer complaints about this institution.

Capital & Safety

Tier 1 Capital Ratio

12.78%(8%)

Total Capital Ratio

16.07%(10%)

Non-Performing Loan Ratio

0.54%

Profitability

Return on Assets (ROA)

2.14%(1%)

Return on Equity (ROE)

12.46%(10%)

Net Interest Margin

4.60%

Efficiency Ratio

39.76%(60%)

Lending & Liquidity

Total Loans

$15.6B

Loan-to-Deposit Ratio

85.48%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+1.33%

Deposit Growth (YoY)

+1.12%

Net Income

$484.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Total Complaints

100

Last 12 Months

Timely Response Rate

100.00%

Complaints by Product

Product	Count
Checking or savings account	70
Credit reporting or other personal consumer reports	7
Mortgage	7
Money transfer, virtual currency, or money service	6
Credit card or prepaid card	3
Debt or credit management	2
Credit reporting, credit repair services, or other personal consumer reports	2
Payday loan, title loan, personal loan, or advance loan	1
Debt collection	1
Payday loan, title loan, or personal loan	1

Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Centennial BankHQ	620 Chestnut St	Conway	AR	11
Centennial Bank	24989 State St	Elberta	AL	11
Centennial Bank	218 Greeno Rd N	Fairhope	AL	11
Centennial Bank	501 S Mckenzie St	Foley	AL	11
Centennial Bank	2201 W 1st St	Gulf Shores	AL	11
Centennial Bank	2201 W 1st St	Gulf Shores	AL	27
Centennial Bank	25051 Canal Rd	Orange Beach	AL	11
Centennial Bank	812 N Church St	Atkins	AR	11
Centennial Bank	1895 Harrison St	Batesville	AR	11
Centennial Bank	1240 E Main St	Batesville	AR	11
Centennial Bank	707 Dewitt Henry Drive	Beebe	AR	11
Centennial Bank	30 Highway 64 W	Beebe	AR	11
Centennial Bank	2901 S Walton Blvd	Bentonville	AR	11
Centennial Bank	2224 N Reynolds Rd	Bryant	AR	11
Centennial Bank	2171 W Main St	Cabot	AR	11
Centennial Bank	3111 Bill Foster Memorial Hwy	Cabot	AR	11
Centennial Bank	300 W Main St	Cabot	AR	11
Centennial Bank	1204 S Pine St	Cabot	AR	11
Centennial Bank	1000 S Rogers St	Clarksville	AR	11
Centennial Bank	2690 Donaghey	Conway	AR	11
Centennial Bank	620 Chestnut St	Conway	AR	29
Centennial Bank	1445 Hogan Ln	Conway	AR	11
Centennial Bank	2500 Dave Ward Dr	Conway	AR	11
Centennial Bank	1815 E Oak St	Conway	AR	11
Centennial Bank	1445 Hogan Ln	Conway	AR	11
Centennial Bank	1208 Oak St	Conway	AR	11
Centennial Bank	1150 Museum Rd	Conway	AR	24
Centennial Bank	945 Salem Rd	Conway	AR	11
Centennial Bank	620 Chestnut St	Conway	AR	29
Centennial Bank	600 Union St	Dardanelle	AR	11
Centennial Bank	3010 W Martin Luther King Jr Blvd	Fayetteville	AR	11
Centennial Bank	1400 E Joyce Blvd	Fayetteville	AR	11
Centennial Bank	5801 Rogers Ave	Fort Smith	AR	11
Centennial Bank	4625 Old Greenwood Rd	Fort Smith	AR	11
Centennial Bank	8 Business Park Dr	Greenbrier	AR	11
Centennial Bank	1631 Highway 25b	Heber Springs	AR	11
Centennial Bank	1927 Highway 62 412	Highland	AR	11
Centennial Bank	1816 W Main St	Jacksonville	AR	11
Centennial Bank	3505 E Johnson Ave	Jonesboro	AR	11
Centennial Bank	2241 S Caraway Rd	Jonesboro	AR	11
Centennial Bank	715 Southwest Dr	Jonesboro	AR	11
Centennial Bank	2901 E Highland Dr	Jonesboro	AR	11
Centennial Bank	211 E Washington Ave	Jonesboro	AR	11
Centennial Bank	2400 Aggie Road	Jonesboro	AR	11
Centennial Bank	9712 N Rodney Parham Rd	Little Rock	AR	11
Centennial Bank	1301 Rebsamen Park Rd	Little Rock	AR	11
Centennial Bank	13910 Cantrell Rd	Little Rock	AR	11
Centennial Bank	2922 S University Ave	Little Rock	AR	11
Centennial Bank	718 Broadway St	Little Rock	AR	11
Centennial Bank	10315 Interstate 30	Little Rock	AR	11

Showing 50 of 234 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.