Centennial Bank Mortgage Rates, Fees & Info

Conway, AR

LEI: 549300BEFX6JRSCS5N78

Tax ID: 71-0009885

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Centennial Bank is a smaller bank specializing in Home Purchase loans. Centennial Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Little Rock, Miami, Crestview, Orlando, and Fayetteville among others. We have data for 68 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Centennial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Centennial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.88% 12/16/24
    30 Year Conventional Refi 6.88% 12/16/24
    30 Year Cash-out Refi 7.10% 12/16/24
    30 Year FHA Purchase 7.38% 12/16/24
    30 Year FHA Refi 7.11% 12/16/24
    30 Year VA Purchase 6.24% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 6.86% 12/16/24
    15 Year Conventional Purchase 6.32% 12/16/24
    15 Year Conventional Refi 6.27% 12/16/24
    15 Year Cash-out Refi 6.27% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    15 Year VA Purchase 5.70% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Centennial Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Centennial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,971

    Origination Dollar Volume (All Markets)

    $744,305,000

    Employee count

    1,917 Show all (18) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 800 $143,050,000 $178,813 $2,983 4.48%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 97 $72,925,000 $751,804 $6,005 4.79%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 159 $49,495,000 $311,289 $6,132 4.19%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 149 $42,495,000 $285,201 $4,809 4.76%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 164 $41,590,000 $253,598 $3,438 4.41%
    Outside of Metro Areas 251 $37,845,000 $150,777 $3,479 4.66%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $37,095,000 $12,365,000 $4,494 3.96%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 125 $35,695,000 $285,560 $4,906 4.88%
    Key West, FL (FHA|USDA|VA) 70 $32,640,000 $466,286 $6,381 4.60%
    PANAMA CITY, FL (FHA|USDA|VA) 147 $32,345,000 $220,034 $5,616 3.97%
    JONESBORO, AR (FHA|USDA|VA) 165 $30,955,000 $187,606 $2,925 4.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 113 $25,725,000 $227,655 $5,113 4.73%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 27 $17,245,000 $638,704 $5,380 5.14%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 72 $15,950,000 $221,528 $4,002 5.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 42 $14,240,000 $339,048 $4,851 4.21%
    TALLAHASSEE, FL (FHA|USDA|VA) 92 $14,210,000 $154,457 $4,330 3.95%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 21 $11,415,000 $543,571 $5,578 4.48%
    PUNTA GORDA, FL (FHA|USDA|VA) 40 $10,600,000 $265,000 $4,564 4.58%
    Searcy, AR (FHA|USDA|VA) 74 $10,120,000 $136,757 $2,596 4.37%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 32 $9,920,000 $310,000 $3,654 4.82%
    Paragould, AR (FHA|USDA|VA) 44 $8,200,000 $186,364 $2,721 4.28%
    Russellville, AR (FHA|USDA|VA) 70 $7,750,000 $110,714 $2,988 4.79%
    FORT SMITH, AR-OK (FHA|USDA|VA) 53 $7,545,000 $142,358 $3,024 4.44%
    HOT SPRINGS, AR (FHA|USDA|VA) 19 $4,345,000 $228,684 $2,916 5.08%
    Batesville, AR (FHA|USDA|VA) 38 $3,980,000 $104,737 $2,667 4.56%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $3,075,000 $3,075,000 $16,598 5.25%
    Mountain Home, AR (FHA|USDA|VA) 11 $1,825,000 $165,909 $3,147 4.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,475,000 $210,714 $4,884 4.55%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,465,000 $293,000 $2,913 3.83%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,330,000 $665,000 $4,456 4.63%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,573 4.96%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,150,000 $287,500 $3,699 4.69%
    PINE BLUFF, AR (FHA|USDA|VA) 8 $1,140,000 $142,500 $2,946 4.56%
    Ozark, AL (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $0 5.81%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,085,000 $155,000 $3,323 4.88%
    Helena-West Helena, AR (FHA|USDA|VA) 7 $1,025,000 $146,429 $3,995 4.07%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,527 4.89%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $895,000 $298,333 $4,090 4.25%
    OCALA, FL (FHA|USDA|VA) 3 $685,000 $228,333 $8,805 4.75%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $680,000 $340,000 $4,620 4.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $550,000 $275,000 $3,341 4.13%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $525,000 $525,000 $20,912 4.13%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $490,000 $245,000 $6,189 4.13%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $445,000 $445,000 $10,179 3.50%
    Blytheville, AR (FHA|USDA|VA) 4 $440,000 $110,000 $1,761 4.62%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $405,000 $405,000 $2,806 4.00%
    Brevard, NC (FHA|USDA|VA) 1 $355,000 $355,000 $7,522 3.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $355,000 $355,000 $3,748 3.88%
    Malvern, AR (FHA|USDA|VA) 3 $345,000 $115,000 $3,052 4.67%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $275,000 $275,000 $2,903 3.50%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $5,756 4.75%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $245,000 $245,000 $2,686 5.13%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,093 3.75%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $7,634 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.37%
    DECATUR, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,813 4.00%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,059 4.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $215,000 $215,000 $2,229 4.50%
    ENID, OK (FHA|USDA|VA) 1 $215,000 $215,000 $91 4.50%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $3,065 4.50%
    Paris, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,036 3.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,650 4.50%
    Farmington, MO (FHA|USDA|VA) 1 $105,000 $105,000 $715 4.38%
    Bainbridge, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,573 4.13%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,535 5.13%
    Forrest City, AR (FHA|USDA|VA) 1 $65,000 $65,000 $2,042 4.88%
    Harrison, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.26%
    Centennial Bank's top markets include Little Rock, Miami, Crestview, Orlando, and Fayetteville among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Centennial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Eglin Federal Credit Union
    Similarity Rank: 9
    POWER FINANCIAL
    Similarity Rank: 188
    First Community Bank
    Similarity Rank: 195
    Gulf Winds Credit Union
    Similarity Rank: 225
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 268
    Southern Bank
    Similarity Rank: 296
    McCoy Federal Credit Union
    Similarity Rank: 342
    First Arkansas Bank and Trust
    Similarity Rank: 392
    HARVESTERS FEDERAL CREDIT UNION
    Similarity Rank: 500
    Pen Air Federal Credit Union
    Similarity Rank: 520

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,297 $622,725,000 $271,104 $3,575 4.64%
    FHA 356 $59,170,000 $166,208 $5,092 4.16%
    VA 184 $45,780,000 $248,804 $6,552 3.81%
    USDA 134 $16,630,000 $124,104 $2,820 4.13%

    For 2019, Centennial Bank's most frequently originated type of loan was Conventional, with 2,297 originations. Their 2nd most popular type was FHA, with 356 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,283 $559,185,000 $244,934 $4,039 4.51%
    Refi 372 $106,970,000 $287,554 $3,551 4.34%
    Cash Out Refi 265 $70,905,000 $267,566 $4,367 4.64%
    Home Improvement 32 $3,610,000 $112,813 $3,326 5.46%
    Other 19 $3,635,000 $191,316 $3,685 4.36%

    For 2019, Centennial Bank's most frequently cited loan purpose was Home Purchase, with 2,283 originations. The 2nd most popular reason was Refi, with 372 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,985 $450,795,000 $227,101 $3,947 4.30%
    5 Year 279 $82,955,000 $297,330 $81 4.75%
    30+ year 159 $83,705,000 $526,447 $7,182 4.83%
    3 Year 145 $17,195,000 $118,586 $0 6.18%
    15 Year 142 $24,740,000 $174,225 $3,012 3.74%
    10 Year 97 $46,215,000 $476,443 $862 5.07%
    Other 76 $23,150,000 $304,605 $4,813 5.75%
    20 Year 58 $10,820,000 $186,552 $3,031 4.02%
    1 Year 30 $4,730,000 $157,667 $0 6.01%

    For 2019, Centennial Bank's most frequently cited loan duration was 30 Year, with 1,985 originations. The 2nd most popular length was 5 Year, with 279 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,044 $219,960,000 $210,690
    $1k-2k 1,002 $256,210,000 $255,699
    $2k-3k 165 $37,345,000 $226,333
    $3k-4k 60 $20,450,000 $340,833
    $4k-5k 26 $9,590,000 $368,846
    $5k+ 17 $8,225,000 $483,824

    Centennial Bank's average total fees were $3,947, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,044 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,167 $354,485,000 $303,757
    3-4% 993 $212,465,000 $213,963
    5-6% 546 $141,780,000 $259,670
    6-7% 186 $31,090,000 $167,151
    <2.5% 54 $580,000 $10,741
    2.5-3% 12 $2,360,000 $196,667
    7-8% 9 $835,000 $92,778
    % 3 $685,000 $228,333
    Over 8% 1 $25,000 $25,000

    During 2019, Centennial Bank's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 1,167 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,119 $166,125,000 $148,458 $3,352 4.48%
    $200k-400k 877 $240,145,000 $273,826 $4,588 4.41%
    $100,000 or less 651 $38,665,000 $59,393 $2,054 4.62%
    $400k-600k 206 $96,560,000 $468,738 $6,123 4.49%
    $600k-1MM 72 $55,110,000 $765,417 $7,952 4.76%
    $1MM+ 46 $147,700,000 $3,210,870 $12,812 5.11%

    2019 saw Centennial Bank place emphasis on $100k-200k loans with 1,119 originations, totaling $166,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 656 $70,970,000 $108,186 $2,866 4.14%
    $50k-75k 588 $95,890,000 $163,078 $3,866 4.23%
    $100k-150k 436 $106,150,000 $243,463 $4,126 4.42%
    $75k-100k 383 $77,345,000 $201,945 $4,234 4.36%
    $150k-250k 316 $97,800,000 $309,494 $4,639 4.55%
    $250k+ 250 $139,890,000 $559,560 $6,326 4.84%

    Centennial Bank lent most frequently to those with incomes in the $50k or less range, with 656 originations. The second most popular income band? $50k-75k, with 588 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 521 $121,775,000 $233,733 $3,555 4.26%
    30-36% 481 $103,715,000 $215,624 $3,813 4.17%
    <20% 175 $51,295,000 $293,114 $3,997 4.39%
    40% 123 $25,005,000 $203,293 $3,503 4.09%
    50-60% 118 $25,480,000 $215,932 $5,212 4.23%
    44% 103 $18,615,000 $180,728 $3,577 4.16%
    42% 100 $19,880,000 $198,800 $3,988 4.18%
    37% 99 $24,895,000 $251,465 $4,249 4.18%
    41% 96 $21,990,000 $229,063 $4,124 4.32%
    38% 89 $19,325,000 $217,135 $4,349 4.19%
    43% 89 $20,135,000 $226,236 $4,412 4.17%
    36% 82 $22,650,000 $276,220 $4,317 4.50%
    39% 77 $17,885,000 $232,273 $4,260 4.25%
    46% 70 $16,670,000 $238,143 $4,804 4.28%
    45% 70 $15,160,000 $216,571 $3,793 4.38%
    49% 61 $15,255,000 $250,082 $4,321 4.29%
    47% 58 $15,600,000 $268,966 $4,729 4.28%
    48% 54 $12,360,000 $228,889 $4,450 4.19%
    >60% 7 $3,165,000 $452,143 $6,818 5.21%

    Centennial Bank lent most frequently to those with DTI ratios of 20-30%, with 521 originations. The next most common DTI ratio? 30-36%, with 481 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,355 $540,915,000 $229,688 $4,019 4.36%
    Not applicable 328 $151,450,000 $461,738 $0 5.76%
    Black 168 $24,590,000 $146,369 $3,568 4.30%
    Asian 52 $13,550,000 $260,577 $4,986 4.55%
    Not provided 52 $9,770,000 $187,885 $3,540 4.19%
    American Indian 14 $3,510,000 $250,714 $4,390 4.02%
    Native Hawaiian or Islander 2 $520,000 $260,000 $2,770 3.69%

    Approval Rates

    Total approvals of all applications
    87.17%

    Centennial Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    62.13%

    Centennial Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,971 $744,305,000 $250,523

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 8 $3,840,000 $480,000
    Multifamily:Site-Built 53 $103,965,000 $1,961,604
    Single Family (1-4 Units):Manufactured 16 $780,000 $48,750
    Single Family (1-4 Units):Site-Built 2,894 $635,720,000 $219,668

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $18,290,000 $175,865 $3,571 4.60%
    40-60% 224 $52,160,000 $232,857 $3,698 4.62%
    60-80% 953 $330,195,000 $346,480 $4,210 4.80%
    80-100% 1,526 $324,610,000 $212,720 $3,928 4.47%
    Over 100% 65 $15,995,000 $246,077 $8,619 4.15%
    Under 20% 93 $1,935,000 $20,806 $340 1.98%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Centennial Bank 1927 Hwy 62/412 Highland, AR 72542 Full Service B&M $22,445
    Centennial Bank 2404 Linwood Drive Paragould, AR 72450 Full Service B&M $10,868
    Centennial Bank 302 West Drew Avenue Monette, AR 72447 Full Service B&M $49,681
    Centennial Bank 665 Highway 62 East Mountain Home, AR 72653 Full Service B&M $94,424
    Centennial Bank 101 Highway 412 East Siloam Springs, AR 72761 Full Service B&M $28,174
    Centennial Bank #8 Business Park Drive Greenbrier, AR 72058 Full Service B&M $43,673
    Centennial Bank 1 City Plaza Cabot, AR 72023 Full Service B&M $62,422
    Centennial Bank 1000 South Rodgers Clarksville, AR 72830 Full Service B&M $43,683
    Centennial Bank 100280 Overseas Highway Key Largo, FL 33037 Full Service B&M $64,717
    Centennial Bank 101 Wilder Road Big Pine Key, FL 33050 Full Service B&M $55,023
    Centennial Bank 10310 Griffin Road Cooper City, FL 33328 Full Service B&M $64,109
    Centennial Bank 10315 Interstate 30 Little Rock, AR 72209 Full Service B&M $29,795
    Centennial Bank 1044 Main Street Vilonia, AR 72173 Full Service B&M $51,038
    Centennial Bank 10911 Sr 20 Bristol, FL 32321 Full Service B&M $29,080
    Centennial Bank 1100 Southeast Third Avenue Fort Lauderdale, FL 33316 Full Service B&M $152,852
    Centennial Bank 11290 Overseas Highway Marathon, FL 33050 Full Service B&M $196,517
    Centennial Bank 12 East 49th Street, 28th Floor New York, NY 10017 Full Service B&M $547,697
    Centennial Bank 120 West North Street Ward, AR 72176 Full Service B&M $19,658
    Centennial Bank 1204 South Pine Street Cabot, AR 72023 Full Service B&M $26,906
    Centennial Bank 1208 Oak Street Conway, AR 72032 Full Service B&M $25,039
    Centennial Bank 121 Alhambra Plaza Suite 151 Coral Gables, FL 33134 Full Service B&M $181,992
    Centennial Bank 121 East Main Street Mountain View, AR 72560 Full Service B&M $80,836
    Centennial Bank 12141 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $88,751
    Centennial Bank 1229 Simonton Street Key West, FL 33040 Full Service B&M $42,211
    Centennial Bank 1240 Main Street Batesville, AR 72501 Full Service B&M $19,894
    Centennial Bank 125 North Highway 71 Wewahitchka, FL 32465 Full Service B&M $46,270
    Centennial Bank 126 Osprey Avenue Sarasota, FL 34236 Full Service B&M $202,124
    Centennial Bank 12670 Creekside Lane, Suite 101 Fort Myers, FL 33919 Full Service B&M $70,622
    Centennial Bank 1300 West Beebe-Capps Expressway Searcy, AR 72143 Full Service B&M $30,314
    Centennial Bank 1302 North Business Highway 9 Morrilton, AR 72110 Full Service B&M $36,920
    Centennial Bank 13773 Icot Blvd, Suite 503 Clearwater, FL 33760 Limited, Administrative $0
    Centennial Bank 13910 Cantrell Road Little Rock, AR 72223 Full Service B&M $49,257
    Centennial Bank 1400 East Joyce Blvd Fayetteville, AR 72703 Full Service B&M $127,817
    Centennial Bank 14033 8th Street Dade City, FL 33525 Full Service B&M $225,106
    Centennial Bank 1430 North Federal Highway Fort Lauderdale, FL 33304 Full Service B&M $200,846
    Centennial Bank 1445 Hogan Lane Conway, AR 72034 Full Service B&M $63,879
    Centennial Bank 1445 Hogan Lane, Suite 1 Conway, AR 72034 Full Service B&M $0
    Centennial Bank 1450 Placida Road Englewood, FL 34223 Full Service B&M $56,028
    Centennial Bank 14877 North Dale Mabry Highway Tampa, FL 33618 Full Service B&M $37,000
    Centennial Bank 1504 Weston Road Weston, FL 33326 Full Service B&M $78,234
    Centennial Bank 1598 South County Highway 393 Suite 106 Santa Rosa Beach, FL 32459 Full Service B&M $26,430
    Centennial Bank 1606 1st Street South Winter Haven, FL 33880 Full Service B&M $22,109
    Centennial Bank 1631 Highway 25b North Heber Springs, AR 72543 Full Service B&M $21,866
    Centennial Bank 1815 East Oak Street Conway, AR 72032 Full Service B&M $17,726
    Centennial Bank 1816 West Main Street Jacksonville, AR 72076 Full Service B&M $34,921
    Centennial Bank 1895 Harrison Street Batesville, AR 72501 Full Service B&M $53,918
    Centennial Bank 1900 John Hardin Drive Jacksonville, AR 72076 Full Service B&M $20,688
    Centennial Bank 1907 James Redman Parkway Plant City, FL 33563 Full Service B&M $14,386
    Centennial Bank 1953 Thomasville Road Tallahassee, FL 32308 Full Service B&M $41,761
    Centennial Bank 1991 Stirling Road Dania Beach, FL 33004 Full Service B&M $59,238
    Centennial Bank 201 East Garden Street, Suite A Pensacola, FL 32502 Full Service B&M $53,093
    Centennial Bank 202 Marina Drive Port Saint Joe, FL 32457 Full Service B&M $186,164
    Centennial Bank 20734 Central Avenue East Blountstown, FL 32424 Full Service B&M $39,048
    Centennial Bank 211 East Washington Jonesboro, AR 72401 Limited, Drive-thru $55,471
    Centennial Bank 2110 Fayetteville Road Van Buren, AR 72956 Full Service B&M $8,627
    Centennial Bank 2171 West Main Street Cabot, AR 72023 Full Service B&M $124,047
    Centennial Bank 218 North Greeno Rd Fairhope, AL 36532 Full Service B&M $36,966
    Centennial Bank 22 Avenue E Apalachicola, FL 32320 Full Service B&M $70,650
    Centennial Bank 2200 Airport Boulevard Pensacola, FL 32504 Full Service B&M $31,605
    Centennial Bank 2200 Stanford Rd Panama City, FL 32413 Full Service B&M $75,004
    Centennial Bank 2201 West First Street Gulf Shores, AL 36542 Full Service B&M $166,817
    Centennial Bank 2205 South University Drive Davie, FL 33324 Full Service B&M $174,292
    Centennial Bank 2224 N. Reynolds Rd. Bryant, AR 72022 Full Service B&M $21,093
    Centennial Bank 2241 South Caraway Road Jonesboro, AR 72401 Full Service B&M $17,891
    Centennial Bank 2300 West Kingshighway Paragould, AR 72450 Full Service B&M $16,384
    Centennial Bank 23000 State Road 54 Lutz, FL 33549 Full Service B&M $42,062
    Centennial Bank 2400 Aggie Road Jonesboro, AR 72401 Limited, Drive-thru $676
    Centennial Bank 2400 North Commerce Parkway Weston, FL 33326 Limited, Administrative $0
    Centennial Bank 2415 Aloma Avenue Winter Park, FL 32792 Full Service B&M $34,114
    Centennial Bank 2485 Highway 412 East Siloam Springs, AR 72761 Full Service B&M $23,330
    Centennial Bank 24989 State Street Elberta, AL 36530 Full Service B&M $35,920
    Centennial Bank 2500 Dave Ward Drive Conway, AR 72034 Full Service B&M $25,426
    Centennial Bank 25051 Canal Street Orange Beach, AL 36561 Full Service B&M $77,714
    Centennial Bank 2506 East Parkway Drive Russellville, AR 72802 Full Service B&M $53,243
    Centennial Bank 2514 N. Roosevelt Blvd. Key West, FL 33040 Full Service B&M $62,017
    Centennial Bank 2515 Thomas Drive Panama City Beach, FL 32408 Full Service B&M $33,246
    Centennial Bank 2600 East Commercial Boulevard Fort Lauderdale, FL 33308 Full Service B&M $401,038
    Centennial Bank 2610 Cantrell Road Little Rock, AR 72202 Full Service B&M $120,911
    Centennial Bank 2620 East Race Avenue Searcy, AR 72143 Full Service B&M $25,075
    Centennial Bank 26417 Us Hwy 19n Clearwater, FL 33761 Full Service B&M $12,146
    Centennial Bank 2690 Donaghey Conway, AR 72032 Full Service B&M $28,568
    Centennial Bank 2701 Nw Boca Raton Blvd Suite 211 Boca Raton, FL 33431 Limited, Administrative $0
    Centennial Bank 2701 West Main Street Russellville, AR 72801 Full Service B&M $20,587
    Centennial Bank 2716 Lakewood Village Place North Little Rock, AR 72116 Full Service B&M $248,169
    Centennial Bank 2780 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $29,032
    Centennial Bank 2901 East Highland Drive Jonesboro, AR 72401 Full Service B&M $539,449
    Centennial Bank 2901 South Walton Boulevard Bentonville, AR 72712 Full Service B&M $19,304
    Centennial Bank 2922 South University Little Rock, AR 72204 Full Service B&M $7,092
    Centennial Bank 2932 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $255,542
    Centennial Bank 30 Highway 64 West Beebe, AR 72012 Full Service B&M $21,204
    Centennial Bank 300 South Pine Island Road Plantation, FL 33324 Full Service B&M $96,530
    Centennial Bank 300 West Emerson Paragould, AR 72450 Full Service B&M $29,105
    Centennial Bank 301 Sylamore Avenue Mountain View, AR 72560 Full Service B&M $31,501
    Centennial Bank 3010 W. 6th Street Fayetteville, AR 72701 Full Service B&M $46,693
    Centennial Bank 3021 Airport-Pulling Road North Naples, FL 34105 Full Service B&M $143,740
    Centennial Bank 305 East Broadway North Little Rock, AR 72114 Limited, Mobile/Seasonal Office $123,313
    Centennial Bank 3110 Capital Circle, Northeast Tallahassee, FL 32308 Full Service B&M $102,895
    Centennial Bank 3111 Bill Foster Memorial Highway Cabot, AR 72023 Full Service B&M $14,334
    Centennial Bank 3111 North University Drive, Suite 101 Coral Springs, FL 33065 Full Service B&M $65,872
    Centennial Bank 3395 West Sunset Avenue Springdale, AR 72762 Full Service B&M $8,462
    Centennial Bank 34855 Highway 98 East Destin, FL 32541 Full Service B&M $31,902
    Centennial Bank 3505 East Johnson Avenue Jonesboro, AR 72401 Limited, Drive-thru $8,609
    Centennial Bank 3552 13th Street Saint Cloud, FL 34769 Full Service B&M $42,218
    Centennial Bank 3555 Military Trail Jupiter, FL 33458 Full Service B&M $147,969
    Centennial Bank 3601 East Race Street Searcy, AR 72143 Full Service B&M $11,555
    Centennial Bank 3615 Apalachee Parkway Tallahassee, FL 32311 Full Service B&M $27,952
    Centennial Bank 37741 Eiland Blvd Zephyrhills, FL 33542 Full Service B&M $29,035
    Centennial Bank 3811 Mcarthur Drive North Little Rock, AR 72118 Full Service B&M $33,779
    Centennial Bank 3850 North Federal Highway Boca Raton, FL 33431 Full Service B&M $171,455
    Centennial Bank 3921 East County Highway 30-A Santa Rosa Beach, FL 32459 Full Service B&M $13,433
    Centennial Bank 400 North Federal Highway Pompano Beach, FL 33062 Full Service B&M $154,192
    Centennial Bank 4000 West Walnut Rogers, AR 72756 Full Service B&M $13,368
    Centennial Bank 401 North Arkansas Avenue Russellville, AR 72811 Full Service B&M $184,934
    Centennial Bank 401 Taylor Street Punta Gorda, FL 33950 Full Service B&M $79,500
    Centennial Bank 4301 Barclay Avenue Spring Hill, FL 34609 Full Service B&M $46,179
    Centennial Bank 4301 West Boy Scout Boulevard, Suite 150 Tampa, FL 33607 Full Service B&M $89,613
    Centennial Bank 4308 Broadway North Little Rock, AR 72117 Full Service B&M $35,979
    Centennial Bank 440 South Florida Avenue Lakeland, FL 33801 Full Service B&M $14,485
    Centennial Bank 4515 Camp Robinson Road North Little Rock, AR 72118 Full Service B&M $23,671
    Centennial Bank 4594 Overseas Highway Marathon, FL 33050 Full Service B&M $15,435
    Centennial Bank 4600 Hollywood Boulevard Hollywood, FL 33021 Full Service B&M $106,839
    Centennial Bank 4600 West Kennedy Boulevard Tampa, FL 33609 Full Service B&M $119,605
    Centennial Bank 4625 Old Greenwood Road Fort Smith, AR 72903 Full Service B&M $11,503
    Centennial Bank 4845 4th Street North Saint Petersburg, FL 33703 Full Service B&M $80,541
    Centennial Bank 4924 Kavanaugh Boulevard Little Rock, AR 72207 Full Service B&M $26,248
    Centennial Bank 5 Jefferson Street Eastpoint, FL 32328 Full Service B&M $18,602
    Centennial Bank 500 South Australian Ave Suite 100 West Palm Beach, FL 33401 Full Service B&M $292,248
    Centennial Bank 500 U. S. Highway 41 Bypass North Venice, FL 34285 Full Service B&M $134,278
    Centennial Bank 501 S Mckenzie Street Foley, AL 36535 Full Service B&M $37,333
    Centennial Bank 520 Bowman Little Rock, AR 72211 Full Service B&M $44,417
    Centennial Bank 5551 Sunset Lane Saint James City, FL 33956 Full Service B&M $65,789
    Centennial Bank 5801 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $22,953
    Centennial Bank 582 Hwy 365 South Mayflower, AR 72106 Full Service Retail $14,705
    Centennial Bank 5850 Fruitville Road Sarasota, FL 34232 Full Service B&M $88,265
    Centennial Bank 5987 U.S. Highway 64 East Pottsville, AR 72858 Full Service B&M $9,504
    Centennial Bank 600 Union Street Dardanelle, AR 72834 Full Service B&M $48,759
    Centennial Bank 6039 Heber Springs Road West Quitman, AR 72131 Full Service B&M $16,674
    Centennial Bank 607 Highway 98 Carrabelle, FL 32322 Full Service B&M $37,374
    Centennial Bank 61 West Gulf Beach Drive Eastpoint, FL 32328 Full Service B&M $50,990
    Centennial Bank 615 E Elkcam Circle Marco Island, FL 34145 Full Service B&M $32,265
    Centennial Bank 620 Chestnut Street Conway, AR 72032 Limited, Mobile/Seasonal Office $0
    Centennial Bank 620 Chestnut Street Conway, AR 72032 Limited, Mobile/Seasonal Office $0
    Centennial Bank 620 Chestnut Street Conway, AR 72032 Limited, Mobile/Seasonal Office $0
    Centennial Bank 620 Chestnut Street Conway, AR 72032 Full Service B&M $572,994
    Centennial Bank 625 North Central Avenue Kissimmee, FL 34741 Full Service B&M $57,661
    Centennial Bank 635 Baldwin Road Panama City, FL 32405 Full Service B&M $58,743
    Centennial Bank 6529 Thomasville Road Tallahassee, FL 32309 Full Service B&M $32,466
    Centennial Bank 6701 Boston St Fort Smith, AR 72903 Limited, Drive-thru $57
    Centennial Bank 701 Whitehead Street Key West, FL 33040 Full Service B&M $20,477
    Centennial Bank 702 Pat Thomas Highway Quincy, FL 32351 Full Service B&M $40,918
    Centennial Bank 707 Dewitt Henry Drive Beebe, AR 72012 Full Service B&M $26,886
    Centennial Bank 715 Southwest Drive Jonesboro, AR 72401 Full Service B&M $86,820
    Centennial Bank 718 Broadway Little Rock, AR 72201 Full Service B&M $93,483
    Centennial Bank 7213 Highway 107 Sherwood, AR 72120 Full Service B&M $86,229
    Centennial Bank 786 East Henri De Tonti Boulevard Tontitown, AR 72770 Full Service B&M $19,122
    Centennial Bank 801 East 9th Street Rector, AR 72461 Full Service B&M $30,189
    Centennial Bank 812 North Church Atkins, AR 72823 Full Service B&M $39,148
    Centennial Bank 81541 Old Highway Islamorada, FL 33036 Full Service B&M $63,407
    Centennial Bank 8232 Woodville Highway Tallahassee, FL 32305 Full Service B&M $48,146
    Centennial Bank 8461 Lake Worth Road Lake Worth, FL 33467 Limited, Administrative $0
    Centennial Bank 8524 Navarre Parkway Navarre, FL 32566 Full Service B&M $32,015
    Centennial Bank 8630 Nw 25th Street Doral, FL 33122 Full Service B&M $59,674
    Centennial Bank 945 Salem Road Conway, AR 72034 Full Service B&M $46,586
    Centennial Bank 9453 Maumelle Boulevard Maumelle, AR 72113 Full Service B&M $61,758
    Centennial Bank 970 Rinehart Road Lake Mary, FL 32746 Full Service B&M $36,305
    Centennial Bank 9710 Stirling Road, Suite 107 Hollywood, FL 33024 Limited, Administrative $0
    Centennial Bank 9712 Rodney Parham Road Little Rock, AR 72227 Full Service B&M $50,182
    Centennial Bank Island Drive And Avenue C Eastpoint, FL 32328 Limited, Drive-thru $0

    For 2019, Centennial Bank had 168 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $725,571
    Net interest income $591,669
    Total noninterest income $90,356
    Gross Fiduciary activities income $1,566
    Service charges on deposit accounts $25,930
    Trading account gains and fees $0
    Additional Noninterest Income $62,860
    Pre-tax net operating income $421,211
    Securities gains (or losses, -) $-2
    Income before extraordinary items $315,426
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $315,426
    Minority interest net income $0
    Net income $315,426
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $315,427

    Centennial Bank's gross interest income from loans was $725,571,000.
    Centennial Bank's net interest income from loans was $591,669,000.
    Centennial Bank's fee based income from loans was $25,930,000.
    Centennial Bank's net income from loans was $315,426,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $133,902
    Provision for credit losses $1,325
    Total noninterest expense $259,489
    Salaries and employee benefits $139,702
    Premises and equipment expense $37,846
    Additional noninterest expense $81,941
    Applicable income taxes $105,783
    Net charge-offs $7,994
    Cash dividends $232,532

    Centennial Bank's interest expense for loans was $133,902,000.
    Centennial Bank's payroll and benefits expense were $139,702,000.
    Centennial Bank's property, plant and equipment expenses $37,846,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $11,388,980
    Deposits held in domestic offices $11,388,980
    Deposits by Individuals, partnerships, and corporations $9,155,089
    Deposits by U.S. Government $100
    Deposits by States and political subdivisions in the U.S. $2,214,176
    Deposits by Commercial banks and other depository institutions in U.S. $18,457
    Deposits by Banks in foreign countries $1,158
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $646,384
    Demand deposits $425,799
    Nontransaction accounts $10,742,596
    Money market deposit accounts (MMDAs) $8,113,900
    Other savings deposits (excluding MMDAs) $651,369
    Total time deposits $1,977,327
    Total time and savings deposits $10,963,181
    Noninterest-bearing deposits $2,477,688
    Interest-bearing deposits $8,911,292
    Retail deposits $9,694,232
    IRAs and Keogh plan accounts $114,667
    Brokered deposits $579,678
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $15,015,801
    Cash & Balances due from depository institutions $488,216
    Interest-bearing balances $319,345
    Total securities $2,081,595
    Federal funds sold & reverse repurchase $0
    Net loans and leases $10,767,588
    Loan and leases loss allowance $102,122
    Trading account assets $0
    Bank premises and fixed assets $278,366
    Other real estate owned $9,143
    Goodwill and other intangibles $994,980
    All other assets $395,913

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $15,015,801
    Total Liabilities $12,260,484
    Total deposits $11,388,980
    Interest-bearing deposits $8,911,292
    Deposits held in domestic offices $11,388,980
    % insured (estimated) $49
    Federal funds purchased and repurchase agreements $148,727
    Trading liabilities $0
    Other borrowed funds $621,440
    Subordinated debt $0
    All other liabilities $101,337

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,767,588
    Loan and leases loss allowance $102,122
    Total loans and leases (domestic) $10,869,710
    All real estate loans $8,585,359
    Real estate loans in domestic offices $8,585,359
    Construction and development loans $1,776,689
    Residential 1-4 family construction $529,541
    Other construction, all land development and other land $1,247,148
    Loans secured by nonfarm nonresidential properties $4,412,770
    Nonfarm nonresidential secured by owner-occupied properties $1,406,407
    Commercial real estate & other non-farm, non-residential $3,006,363
    Multifamily residential real estate $488,278
    1-4 family residential loans $1,819,222
    Farmland loans $88,400
    Loans held in foreign offices $0
    Farm loans $63,644
    Commercial and industrial loans $1,528,003
    To non-U.S. addressees $20,244
    Loans to individuals $511,908
    Credit card loans $29
    Related Plans $3,457
    Consumer Auto Loans $6,022
    Other loans to individuals $502,400
    All other loans & leases $180,797
    Loans to foreign governments and official institutions $0
    Other loans $128,407
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $100,156
    Restructured Loans & leases $12,121
    Non 1-4 family restructured loans & leases $10,652
    Total loans and leases (foreign) $0

    Centennial Bank had $10,767,588,000 of loans outstanding in 2019. $8,585,359,000 of loans were in real estate loans. $1,776,689,000 of loans were in development loans. $488,278,000 of loans were in multifamily mortgage loans. $1,819,222,000 of loans were in 1-4 family mortgage loans. $63,644,000 of loans were in farm loans. $29,000 of loans were in credit card loans. $6,022,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 3,734 $778,753 $208,557
    Nonfarm, nonresidential loans - <$100k 702 $25,298 $36,037
    Nonfarm, nonresidential loans - $100-250k 1,156 $122,283 $105,781
    Nonfarm, nonresidential loans - $250k-1MM 1,876 $631,172 $336,446
    Commercial & Industrial, US addressed loans - <$1MM 6,846 $357,890 $52,277
    Commercial & Industrial, US addressed loans - <$100k 4,741 $75,554 $15,936
    Commercial & Industrial, US addressed loans - $100-250k 1,153 $81,780 $70,928
    Commercial & Industrial, US addressed loans - $250k-1MM 952 $200,556 $210,668
    Farmland loans - <$1MM 319 $31,767 $99,583
    Farmland loans - <$100k 146 $5,708 $39,096
    Farmland loans - $100-250k 116 $13,618 $117,397
    Farmland loans - $250k-1MM 57 $12,441 $218,263
    Agriculture operations loans - <$1MM 490 $19,282 $39,351
    Agriculture operations loans - <$100k 362 $6,361 $17,572
    Agriculture operations loans - $100-250k 78 $5,452 $69,897
    Agriculture operations loans - $250k-1MM 50 $7,469 $149,380