BlastPoint's Banking Scorecard
Centennial Bank
Mid-Market
Specialty: Commercial
AR
FDIC cert 11241
Conway, AR
201
banks in Mid-Market tier nationally
3 in AR
View Mid-Market leaderboard (AR) →
Centennial Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 10% in Mid-Market
- + Net Interest Margin 1.21% above tier
- + Efficiency Ratio 16.85% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.7B
+1.3% YoY
+0.8% QoQ
|
+$12.3B |
$10.5B
+2.9% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$15.3B
+5.6% YoY
+2.6% QoQ
|
+$8.2B |
$7.1B
+4.5% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$17.9B
+1.1% YoY
+1.1% QoQ
|
+$9.4B |
$8.5B
+3.0% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
2.14%
+15.7% YoY
-0.2% QoQ
|
+0.98% |
1.16%
+9.4% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.60%
+4.2% YoY
+0.8% QoQ
|
+1.21% |
3.40%
+7.9% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
39.76%
-3.3% YoY
-1.3% QoQ
|
-16.85% |
56.60%
-3.2% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.56%
-18.6% YoY
-2.8% QoQ
|
-0.13% |
0.68%
+12.0% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
85.48%
+4.4% YoY
+1.5% QoQ
|
+0.01% |
85.47%
+1.1% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
23.94%
-7.0% YoY
-0.4% QoQ
|
+3.30% |
20.64%
-0.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.55%
-13.4% YoY
-2.1% QoQ
|
+0.05% |
0.50%
+7.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
14.82%
+4.5% YoY
+0.1% QoQ
|
+1.27% |
13.55%
+1.8% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.73%
+12.8% YoY
+35.3% QoQ
|
-0.23% |
0.96%
+7.1% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#6 of 51 · Top 10% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.14%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Net Interest Margin
metric
Top 8%
in Mid-Market
Why this stands out
Current:
4.60%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Top 10%
in Mid-Market
Why this stands out
Current:
39.76%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Assets
Current: $22.7B · Tier avg: $10.5B
96
96th pctile
Total Loans
Current: $15.3B · Tier avg: $7.1B
95
95th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B
94
94th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.40%
90
90th pctile
Efficiency Ratio
Current: 39.76% · Tier avg: 56.60%
78
78th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 13.55%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.94% · Tier avg: 20.64%
58
58th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.96%
52
52th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
45
45th pctile
Loan-to-Deposit Ratio
Current: 85.48% · Tier avg: 85.47%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.50%
Top Weaknesses
37
37th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.50%
45
45th pctile
Loan-to-Deposit Ratio
Current: 85.48% · Tier avg: 85.47%
52
52th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
58
58th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.96%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.94% · Tier avg: 20.64%
78
78th pctile
Tier 1 Capital Ratio
Current: 14.82% · Tier avg: 13.55%
90
90th pctile
Efficiency Ratio
Current: 39.76% · Tier avg: 56.60%
92
92th pctile
Net Interest Margin
Current: 4.60% · Tier avg: 3.40%
94
94th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%
95
95th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B
96
96th pctile
Total Loans
Current: $15.3B · Tier avg: $7.1B
96
96th pctile
Total Assets
Current: $22.7B · Tier avg: $10.5B