Centennial Bank Mortgage Rates, Fees & Info

Conway, AR

LEI: 549300BEFX6JRSCS5N78

Tax ID: 71-0009885

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

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Mortgage Data

Bank Data

Review & Overview

Centennial Bank is a small bank specializing in Home Purchase and Refi 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, Orlando, Crestview, and Panama City among others. We have data for 85 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.88% 3/28/24
30 Year Conventional Refi 6.88% 3/28/24
30 Year Cash-out Refi 7.10% 3/28/24
30 Year FHA Purchase 7.38% 3/28/24
30 Year FHA Refi 7.11% 3/28/24
30 Year VA Purchase 6.24% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.86% 3/28/24
15 Year Conventional Purchase 6.32% 3/28/24
15 Year Conventional Refi 6.27% 3/28/24
15 Year Cash-out Refi 6.27% 3/28/24
15 Year FHA Purchase 5.68% 3/28/24
15 Year VA Purchase 5.70% 3/28/24
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

4,467

Origination Dollar Volume (All Markets)

$1,025,535,000

Employee count

2,018 Show all (26) 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) 1,182 $237,420,000 $200,863 $3,573 3.37%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 171 $78,075,000 $456,579 $5,070 3.39%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 242 $69,400,000 $286,777 $4,873 4.18%
Outside of Metro Areas 407 $68,625,000 $168,612 $3,739 3.49%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 217 $68,275,000 $314,631 $5,879 3.10%
PANAMA CITY, FL (FHA|USDA|VA) 284 $61,740,000 $217,394 $5,730 2.80%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 296 $57,400,000 $193,919 $3,379 3.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 129 $42,675,000 $330,814 $4,932 3.42%
Key West, FL (FHA|USDA|VA) 78 $38,580,000 $494,615 $6,964 3.41%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 141 $36,385,000 $258,050 $4,865 3.78%
JONESBORO, AR (FHA|USDA|VA) 187 $33,285,000 $177,995 $3,324 3.08%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 98 $31,450,000 $320,918 $4,570 3.18%
TALLAHASSEE, FL (FHA|USDA|VA) 165 $29,695,000 $179,970 $4,752 2.90%
Searcy, AR (FHA|USDA|VA) 115 $18,705,000 $162,652 $3,556 3.43%
PUNTA GORDA, FL (FHA|USDA|VA) 60 $18,120,000 $302,000 $4,753 3.52%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 75 $15,575,000 $207,667 $3,997 4.29%
Russellville, AR (FHA|USDA|VA) 105 $14,925,000 $142,143 $3,010 3.59%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 30 $13,480,000 $449,333 $4,638 3.38%
FORT SMITH, AR-OK (FHA|USDA|VA) 81 $11,355,000 $140,185 $3,324 3.30%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 38 $9,970,000 $262,368 $4,380 4.32%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 32 $9,770,000 $305,313 $4,572 3.72%
Batesville, AR (FHA|USDA|VA) 76 $9,390,000 $123,553 $3,115 3.52%
Paragould, AR (FHA|USDA|VA) 54 $7,840,000 $145,185 $3,325 3.05%
HOT SPRINGS, AR (FHA|USDA|VA) 19 $5,015,000 $263,947 $2,824 3.91%
Mountain Home, AR (FHA|USDA|VA) 40 $4,520,000 $113,000 $2,571 3.57%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $3,005,000 $273,182 $4,835 3.35%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 12 $2,610,000 $217,500 $5,150 3.29%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 8 $2,360,000 $295,000 $3,708 2.91%
OCALA, FL (FHA|USDA|VA) 2 $1,770,000 $885,000 $0 4.90%
PINE BLUFF, AR (FHA|USDA|VA) 13 $1,735,000 $133,462 $3,676 4.29%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,730,000 $288,333 $4,915 3.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $0 4.99%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $1,400,000 $700,000 $21,282 2.94%
Blytheville, AR (FHA|USDA|VA) 11 $1,305,000 $118,636 $2,698 4.29%
Helena-West Helena, AR (FHA|USDA|VA) 9 $695,000 $77,222 $2,729 3.57%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $685,000 $228,333 $3,365 3.54%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $660,000 $165,000 $3,131 2.72%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $565,000 $188,333 $6,865 2.63%
Clovis, NM (FHA|USDA|VA) 3 $545,000 $181,667 $4,716 3.04%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $530,000 $265,000 $3,005 3.94%
Brainerd, MN (FHA|USDA|VA) 1 $515,000 $515,000 $5,943 2.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $515,000 $515,000 $6,270 3.00%
GAINESVILLE, FL (FHA|USDA|VA) 3 $505,000 $168,333 $2,967 3.58%
Cullowhee, NC (FHA|USDA|VA) 1 $505,000 $505,000 $6,661 3.13%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $8,496 2.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $495,000 $99,000 $0 4.66%
LAFAYETTE, LA (FHA|USDA|VA) 1 $445,000 $445,000 $4,448 3.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $445,000 $148,333 $3,965 2.79%
TUCSON, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $2,451 2.88%
TULSA, OK (FHA|USDA|VA) 1 $415,000 $415,000 $6,159 2.25%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $405,000 $405,000 $3,396 3.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $395,000 $395,000 $3,088 2.88%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $385,000 $385,000 $3,021 3.75%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $375,000 $375,000 $3,421 3.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $375,000 $375,000 $2,406 3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $355,000 $355,000 $4,080 3.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $315,000 $315,000 $2,868 3.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,999 4.00%
SYRACUSE, NY (FHA|USDA|VA) 1 $295,000 $295,000 $3,534 3.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $265,000 $265,000 $8,484 5.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,112 3.38%
THE VILLAGES, FL (FHA|USDA|VA) 2 $260,000 $130,000 $6,102 3.31%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,098 3.00%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $7,386 3.25%
Enterprise, AL (FHA|USDA|VA) 1 $235,000 $235,000 $8,410 2.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $235,000 $235,000 $3,076 3.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $225,000 $225,000 $2,911 3.00%
Del Rio, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,015 4.13%
SUMTER, SC (FHA|USDA|VA) 1 $205,000 $205,000 $8,108 3.00%
ABILENE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,240 3.00%
Arcadia, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.00%
Fredericksburg, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,560 3.13%
Elizabeth City, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,130 3.00%
Thomasville, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,025 2.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $2,566 3.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,662 3.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,929 3.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.25%
Union City, TN (FHA|USDA|VA) 1 $85,000 $85,000 $3,793 2.63%
Arkadelphia, AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,745 3.50%
Branson, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.88%
Bainbridge, GA (FHA|USDA|VA) 1 $45,000 $45,000 $3,065 3.63%
Centennial Bank's top markets include Little Rock, Miami, Orlando, Crestview, and Panama City among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,574 $842,310,000 $235,677 $3,597 3.53%
    FHA 401 $69,715,000 $173,853 $6,590 2.92%
    VA 329 $91,275,000 $277,432 $6,479 2.61%
    USDA 163 $22,235,000 $136,411 $4,473 2.88%

    For 2020, Centennial Bank's most frequently originated type of loan was Conventional, with 3,574 originations. Their 2nd most popular type was FHA, with 401 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,726 $617,710,000 $226,599 $4,722 3.51%
    Refi 1,024 $245,600,000 $239,844 $3,270 3.03%
    Cash Out Refi 643 $149,975,000 $233,243 $3,775 3.37%
    Home Improvement 50 $7,080,000 $141,600 $3,157 4.12%
    Other 24 $5,170,000 $215,417 $3,545 3.30%

    For 2020, Centennial Bank's most frequently cited loan purpose was Home Purchase, with 2,726 originations. The 2nd most popular reason was Refi, with 1,024 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,922 $684,120,000 $234,127 $4,333 3.28%
    15 Year 563 $115,525,000 $205,195 $3,068 2.72%
    5 Year 342 $39,990,000 $116,930 $163 3.79%
    30+ year 222 $100,880,000 $454,414 $7,607 4.16%
    10 Year 105 $14,295,000 $136,143 $477 3.25%
    3 Year 91 $10,935,000 $120,165 $0 5.43%
    Other 85 $35,085,000 $412,765 $3,552 4.60%
    20 Year 77 $14,595,000 $189,545 $2,942 3.19%
    1 Year 60 $10,110,000 $168,500 $0 5.22%

    For 2020, Centennial Bank's most frequently cited loan duration was 30 Year, with 2,922 originations. The 2nd most popular length was 15 Year, with 563 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,010 $719,660,000 $239,090
    $2k-3k 332 $76,720,000 $231,084
    $<1k 270 $40,250,000 $149,074
    $3k-4k 89 $28,025,000 $314,888
    $5k+ 51 $27,205,000 $533,431
    $4k-5k 35 $11,715,000 $334,714

    Centennial Bank's average total fees were $4,333, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,010 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,596 $362,170,000 $226,924
    2.5-3% 1,107 $243,255,000 $219,743
    <2.5% 754 $139,850,000 $185,477
    4-5% 671 $231,455,000 $344,940
    5-6% 315 $46,675,000 $148,175
    6-7% 23 $1,845,000 $80,217
    7-8% 1 $285,000 $285,000

    During 2020, Centennial Bank's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 1,596 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,616 $240,730,000 $148,967 $3,682 3.37%
    $200k-400k 1,518 $420,870,000 $277,253 $4,636 3.33%
    $100,000 or less 807 $46,145,000 $57,181 $2,213 3.39%
    $400k-600k 416 $195,720,000 $470,481 $5,645 3.39%
    $600k-1MM 76 $58,140,000 $765,000 $9,021 4.13%
    $1MM+ 34 $63,930,000 $1,880,294 $11,440 4.47%

    2020 saw Centennial Bank place emphasis on $100k-200k loans with 1,616 originations, totaling $240,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 897 $145,095,000 $161,756 $4,030 3.11%
    $50k or less 852 $96,600,000 $113,380 $3,596 3.02%
    $100k-150k 767 $191,615,000 $249,824 $4,292 3.42%
    $75k-100k 637 $129,215,000 $202,849 $4,190 3.24%
    $150k-250k 572 $188,070,000 $328,794 $4,513 3.54%
    $250k+ 362 $167,130,000 $461,685 $5,543 3.80%

    Centennial Bank lent most frequently to those with incomes in the $50k-75k range, with 897 originations. The second most popular income band? $50k or less, with 852 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 944 $206,860,000 $219,131 $3,739 3.27%
    30-36% 699 $156,915,000 $224,485 $4,327 3.14%
    <20% 409 $102,695,000 $251,088 $3,625 3.36%
    43% 161 $34,415,000 $213,758 $4,731 3.00%
    44% 160 $35,710,000 $223,188 $4,718 3.08%
    42% 154 $30,680,000 $199,221 $4,480 3.06%
    39% 145 $33,375,000 $230,172 $4,464 3.26%
    40% 142 $33,380,000 $235,070 $4,669 3.26%
    41% 142 $31,900,000 $224,648 $3,905 3.14%
    36% 136 $28,850,000 $212,132 $4,458 3.15%
    37% 132 $30,820,000 $233,485 $3,833 3.14%
    38% 130 $31,320,000 $240,923 $4,359 3.14%
    45% 109 $27,105,000 $248,670 $4,791 3.25%
    46% 99 $24,575,000 $248,232 $4,487 3.21%
    48% 89 $23,465,000 $263,652 $4,210 3.25%
    47% 84 $20,430,000 $243,214 $4,489 3.14%
    49% 82 $19,520,000 $238,049 $4,624 3.17%
    50-60% 82 $21,230,000 $258,902 $6,373 3.09%
    >60% 5 $2,355,000 $471,000 $11,283 3.08%

    Centennial Bank lent most frequently to those with DTI ratios of 20-30%, with 944 originations. The next most common DTI ratio? 30-36%, with 699 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,672 $834,570,000 $227,279 $4,173 3.30%
    Not applicable 258 $71,670,000 $277,791 $0 5.23%
    Not provided 263 $64,635,000 $245,760 $4,284 2.93%
    Black 177 $31,715,000 $179,181 $4,423 3.20%
    Asian 76 $18,790,000 $247,237 $4,441 3.40%
    American Indian 19 $3,635,000 $191,316 $4,486 3.16%
    Asian Indian 1 $435,000 $435,000 $4,913 2.25%
    Native Hawaiian or Islander 1 $85,000 $85,000 $2,635 3.13%

    Approval Rates

    Total approvals of all applications
    88.95%

    Centennial Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.53%

    Centennial Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,467 $1,025,535,000 $229,580

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $585,000 $195,000
    Multifamily:Site-Built 40 $38,970,000 $974,250
    Single Family (1-4 Units):Manufactured 27 $1,585,000 $58,704
    Single Family (1-4 Units):Site-Built 4,397 $984,395,000 $223,879

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 169 $33,685,000 $199,320 $3,504 3.27%
    40-60% 495 $115,785,000 $233,909 $3,603 3.39%
    60-80% 1,545 $410,295,000 $265,563 $3,892 3.72%
    80-100% 1,888 $411,230,000 $217,813 $4,661 3.40%
    Over 100% 68 $18,300,000 $269,118 $11,546 2.94%
    Under 20% 187 $4,365,000 $23,342 $491 1.31%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Centennial Bank 20734 Central Avenue East Blountstown, FL 32424 Full Service B&M $46,084
    Centennial Bank #8 Business Park Drive Greenbrier, AR 72058 Full Service B&M $48,679
    Centennial Bank 1 City Plaza Cabot, AR 72023 Full Service B&M $67,797
    Centennial Bank 1000 South Rodgers Clarksville, AR 72830 Full Service B&M $50,829
    Centennial Bank 100280 Overseas Highway Key Largo, FL 33037 Full Service B&M $85,284
    Centennial Bank 101 Highway 412 East Siloam Springs, AR 72761 Full Service B&M $30,754
    Centennial Bank 101 Wilder Road Big Pine Key, FL 33050 Full Service B&M $60,566
    Centennial Bank 10310 Griffin Road Cooper City, FL 33328 Full Service B&M $72,679
    Centennial Bank 10315 Interstate 30 Little Rock, AR 72209 Full Service B&M $41,174
    Centennial Bank 1044 Main Street Vilonia, AR 72173 Full Service B&M $58,093
    Centennial Bank 10911 Sr 20 Bristol, FL 32321 Full Service B&M $29,555
    Centennial Bank 1100 Southeast Third Avenue Fort Lauderdale, FL 33316 Full Service B&M $220,183
    Centennial Bank 11290 Overseas Highway Marathon, FL 33050 Full Service B&M $294,358
    Centennial Bank 1165 West 49th Street, Suite 107 Hialeah, FL 33012 Full Service B&M $403
    Centennial Bank 12 East 49th Street, 28th Floor New York, NY 10017 Full Service B&M $82,964
    Centennial Bank 120 West North Street Ward, AR 72176 Full Service B&M $23,482
    Centennial Bank 1204 South Pine Street Cabot, AR 72023 Full Service B&M $33,010
    Centennial Bank 1208 Oak Street Conway, AR 72032 Full Service B&M $26,095
    Centennial Bank 121 Alhambra Plaza Suite 151 Coral Gables, FL 33134 Full Service B&M $219,201
    Centennial Bank 121 East Main Street Mountain View, AR 72560 Full Service B&M $90,989
    Centennial Bank 12141 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $82,616
    Centennial Bank 1222 North Arkansas Avenue Russellville, AR 72801 Full Service B&M $212,089
    Centennial Bank 1229 Simonton Street Key West, FL 33040 Full Service B&M $50,805
    Centennial Bank 1240 Main Street Batesville, AR 72501 Full Service B&M $24,092
    Centennial Bank 125 North Highway 71 Wewahitchka, FL 32465 Full Service B&M $51,728
    Centennial Bank 126 Osprey Avenue Sarasota, FL 34236 Full Service B&M $211,290
    Centennial Bank 12670 Creekside Lane, Suite 101 Fort Myers, FL 33919 Full Service B&M $90,498
    Centennial Bank 1300 West Beebe-Capps Expressway Searcy, AR 72143 Full Service B&M $34,261
    Centennial Bank 1302 North Business Highway 9 Morrilton, AR 72110 Full Service B&M $47,642
    Centennial Bank 13773 Icot Blvd, Suite 503 Clearwater, FL 33760 Limited, Administrative $0
    Centennial Bank 13901 Narcoosee Road Orlando, FL 32832 Full Service B&M $3,141
    Centennial Bank 13910 Cantrell Road Little Rock, AR 72223 Full Service B&M $46,450
    Centennial Bank 1400 East Joyce Blvd Fayetteville, AR 72703 Full Service B&M $192,783
    Centennial Bank 14033 8th Street Dade City, FL 33525 Full Service B&M $321,831
    Centennial Bank 1430 North Federal Highway Fort Lauderdale, FL 33304 Full Service B&M $176,029
    Centennial Bank 1445 Hogan Lane Conway, AR 72034 Full Service B&M $113,959
    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 $71,683
    Centennial Bank 14877 North Dale Mabry Highway Tampa, FL 33618 Full Service B&M $51,379
    Centennial Bank 1504 Weston Road Weston, FL 33326 Full Service B&M $94,888
    Centennial Bank 1598 South County Highway 393 Suite 106 Santa Rosa Beach, FL 32459 Full Service B&M $26,216
    Centennial Bank 1606 1st Street South Winter Haven, FL 33880 Full Service B&M $21,230
    Centennial Bank 1631 Highway 25b North Heber Springs, AR 72543 Full Service B&M $26,856
    Centennial Bank 1815 East Oak Street Conway, AR 72032 Full Service B&M $23,081
    Centennial Bank 1816 West Main Street Jacksonville, AR 72076 Full Service B&M $50,864
    Centennial Bank 1895 Harrison Street Batesville, AR 72501 Full Service B&M $67,471
    Centennial Bank 1900 John Hardin Drive Jacksonville, AR 72076 Full Service B&M $19,765
    Centennial Bank 1907 James Redman Parkway Plant City, FL 33563 Full Service B&M $33,484
    Centennial Bank 1927 Hwy 62/412 Highland, AR 72542 Full Service B&M $27,147
    Centennial Bank 1953 Thomasville Road Tallahassee, FL 32308 Full Service B&M $51,390
    Centennial Bank 1991 Stirling Road Dania Beach, FL 33004 Full Service B&M $67,780
    Centennial Bank 201 East Garden Street, Suite A Pensacola, FL 32502 Full Service B&M $74,512
    Centennial Bank 202 Marina Drive Port Saint Joe, FL 32457 Full Service B&M $193,902
    Centennial Bank 211 East Washington Jonesboro, AR 72401 Limited, Drive-thru $67,684
    Centennial Bank 2110 Fayetteville Road Van Buren, AR 72956 Full Service B&M $10,736
    Centennial Bank 2171 West Main Street Cabot, AR 72023 Full Service B&M $173,380
    Centennial Bank 218 North Greeno Rd Fairhope, AL 36532 Full Service B&M $62,172
    Centennial Bank 22 Avenue E Apalachicola, FL 32320 Full Service B&M $90,973
    Centennial Bank 2200 Airport Boulevard Pensacola, FL 32504 Full Service B&M $34,163
    Centennial Bank 2200 Stanford Rd Panama City, FL 32413 Full Service B&M $77,189
    Centennial Bank 2201 West First Street Gulf Shores, AL 36542 Full Service B&M $227,354
    Centennial Bank 2205 South University Drive Davie, FL 33324 Full Service B&M $204,164
    Centennial Bank 2224 N. Reynolds Rd. Bryant, AR 72022 Full Service B&M $25,581
    Centennial Bank 2241 South Caraway Road Jonesboro, AR 72401 Full Service B&M $15,918
    Centennial Bank 2300 West Kingshighway Paragould, AR 72450 Full Service B&M $19,629
    Centennial Bank 23000 State Road 54 Lutz, FL 33549 Full Service B&M $48,633
    Centennial Bank 2400 Aggie Road Jonesboro, AR 72401 Limited, Drive-thru $1,428
    Centennial Bank 2400 North Commerce Parkway Weston, FL 33326 Limited, Administrative $0
    Centennial Bank 2404 Linwood Drive Paragould, AR 72450 Full Service B&M $13,661
    Centennial Bank 2415 Aloma Avenue Winter Park, FL 32792 Full Service B&M $42,014
    Centennial Bank 2485 Highway 412 East Siloam Springs, AR 72761 Full Service B&M $24,964
    Centennial Bank 24989 State Street Elberta, AL 36530 Full Service B&M $43,595
    Centennial Bank 2500 Dave Ward Drive Conway, AR 72034 Full Service B&M $33,708
    Centennial Bank 25051 Canal Street Orange Beach, AL 36561 Full Service B&M $87,647
    Centennial Bank 2506 East Parkway Drive Russellville, AR 72802 Full Service B&M $60,287
    Centennial Bank 2514 N. Roosevelt Blvd. Key West, FL 33040 Full Service B&M $121,814
    Centennial Bank 2515 Thomas Drive Panama City Beach, FL 32408 Full Service B&M $33,346
    Centennial Bank 2600 East Commercial Boulevard Fort Lauderdale, FL 33308 Full Service B&M $579,705
    Centennial Bank 2610 Cantrell Road Little Rock, AR 72202 Full Service B&M $126,214
    Centennial Bank 2620 East Race Avenue Searcy, AR 72143 Full Service B&M $27,484
    Centennial Bank 26417 Us Hwy 19n Clearwater, FL 33761 Full Service B&M $15,279
    Centennial Bank 2690 Donaghey Conway, AR 72032 Full Service B&M $35,460
    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 $22,615
    Centennial Bank 2716 Lakewood Village Place North Little Rock, AR 72116 Full Service B&M $351,986
    Centennial Bank 2780 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $32,875
    Centennial Bank 2901 East Highland Drive Jonesboro, AR 72401 Full Service B&M $690,743
    Centennial Bank 2901 South Walton Boulevard Bentonville, AR 72712 Full Service B&M $9,347
    Centennial Bank 2922 South University Little Rock, AR 72204 Full Service B&M $10,375
    Centennial Bank 2932 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $367,631
    Centennial Bank 30 Highway 64 West Beebe, AR 72012 Full Service B&M $22,899
    Centennial Bank 300 South Pine Island Road Plantation, FL 33324 Full Service B&M $109,706
    Centennial Bank 300 West Emerson Paragould, AR 72450 Full Service B&M $36,000
    Centennial Bank 301 Sylamore Avenue Mountain View, AR 72560 Full Service B&M $36,744
    Centennial Bank 3010 W. 6th Street Fayetteville, AR 72701 Full Service B&M $148,456
    Centennial Bank 302 West Drew Avenue Monette, AR 72447 Full Service B&M $56,483
    Centennial Bank 3021 Airport-Pulling Road North Naples, FL 34105 Full Service B&M $157,540
    Centennial Bank 305 East Broadway North Little Rock, AR 72114 Limited, Mobile/Seasonal Office $134,544
    Centennial Bank 3110 Capital Circle, Northeast Tallahassee, FL 32308 Full Service B&M $122,378
    Centennial Bank 3111 Bill Foster Memorial Highway Cabot, AR 72023 Full Service B&M $19,902
    Centennial Bank 3111 North University Drive, Suite 101 Coral Springs, FL 33065 Full Service B&M $66,297
    Centennial Bank 3395 West Sunset Avenue Springdale, AR 72762 Full Service B&M $13,543
    Centennial Bank 34855 Highway 98 East Destin, FL 32541 Full Service B&M $47,723
    Centennial Bank 3505 East Johnson Avenue Jonesboro, AR 72401 Limited, Drive-thru $11,592
    Centennial Bank 3552 13th Street Saint Cloud, FL 34769 Full Service B&M $56,647
    Centennial Bank 3555 Military Trail Jupiter, FL 33458 Full Service B&M $180,429
    Centennial Bank 3601 East Race Street Searcy, AR 72143 Full Service B&M $13,007
    Centennial Bank 3615 Apalachee Parkway Tallahassee, FL 32311 Full Service B&M $30,656
    Centennial Bank 37741 Eiland Blvd Zephyrhills, FL 33542 Full Service B&M $37,771
    Centennial Bank 3811 Mcarthur Drive North Little Rock, AR 72118 Full Service B&M $34,635
    Centennial Bank 3850 North Federal Highway Boca Raton, FL 33431 Full Service B&M $202,171
    Centennial Bank 3921 East County Highway 30-A Santa Rosa Beach, FL 32459 Full Service B&M $25,251
    Centennial Bank 400 North Federal Highway Pompano Beach, FL 33062 Full Service B&M $151,411
    Centennial Bank 4000 West Walnut Rogers, AR 72756 Full Service B&M $14,601
    Centennial Bank 401 Taylor Street Punta Gorda, FL 33950 Full Service B&M $106,938
    Centennial Bank 4301 Barclay Avenue Spring Hill, FL 34609 Full Service B&M $60,175
    Centennial Bank 4301 West Boy Scout Boulevard, Suite 150 Tampa, FL 33607 Full Service B&M $82,149
    Centennial Bank 4308 Broadway North Little Rock, AR 72117 Full Service B&M $40,231
    Centennial Bank 440 South Florida Avenue Lakeland, FL 33801 Full Service B&M $18,519
    Centennial Bank 4515 Camp Robinson Road North Little Rock, AR 72118 Full Service B&M $30,073
    Centennial Bank 4594 Overseas Highway Marathon, FL 33050 Full Service B&M $17,252
    Centennial Bank 4600 Hollywood Boulevard Hollywood, FL 33021 Full Service B&M $85,036
    Centennial Bank 4600 West Kennedy Boulevard Tampa, FL 33609 Full Service B&M $107,631
    Centennial Bank 4625 Old Greenwood Road Fort Smith, AR 72903 Full Service B&M $13,811
    Centennial Bank 4845 4th Street North Saint Petersburg, FL 33703 Full Service B&M $90,847
    Centennial Bank 4924 Kavanaugh Boulevard Little Rock, AR 72207 Full Service B&M $31,739
    Centennial Bank 5 Jefferson Street Eastpoint, FL 32328 Full Service B&M $17,013
    Centennial Bank 500 S Australian Ave, Ste 100 West Palm Beach, FL 33401 Full Service B&M $339,153
    Centennial Bank 500 U. S. Highway 41 Bypass North Venice, FL 34285 Full Service B&M $155,995
    Centennial Bank 501 S Mckenzie Street Foley, AL 36535 Full Service B&M $49,148
    Centennial Bank 520 Bowman Little Rock, AR 72211 Full Service B&M $46,847
    Centennial Bank 5551 Sunset Lane Saint James City, FL 33956 Full Service B&M $81,719
    Centennial Bank 5801 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $62,441
    Centennial Bank 582 Hwy 365 South Mayflower, AR 72106 Full Service Retail $18,317
    Centennial Bank 5850 Fruitville Road Sarasota, FL 34232 Full Service B&M $85,117
    Centennial Bank 5987 U.S. Highway 64 East Pottsville, AR 72858 Full Service B&M $10,117
    Centennial Bank 600 Union Street Dardanelle, AR 72834 Full Service B&M $53,474
    Centennial Bank 6039 Heber Springs Road West Quitman, AR 72131 Full Service B&M $17,774
    Centennial Bank 607 Highway 98 Carrabelle, FL 32322 Full Service B&M $38,217
    Centennial Bank 61 West Gulf Beach Drive Eastpoint, FL 32328 Full Service B&M $59,694
    Centennial Bank 615 E Elkcam Circle Marco Island, FL 34145 Full Service B&M $34,619
    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 $671,931
    Centennial Bank 625 North Central Avenue Kissimmee, FL 34741 Full Service B&M $66,835
    Centennial Bank 635 Baldwin Road Panama City, FL 32405 Full Service B&M $64,706
    Centennial Bank 6529 Thomasville Road Tallahassee, FL 32309 Full Service B&M $35,184
    Centennial Bank 665 Highway 62 East Mountain Home, AR 72653 Full Service B&M $95,105
    Centennial Bank 6701 Boston St Fort Smith, AR 72903 Limited, Drive-thru $42
    Centennial Bank 701 Whitehead Street Key West, FL 33040 Full Service B&M $22,988
    Centennial Bank 702 Pat Thomas Highway Quincy, FL 32351 Full Service B&M $46,556
    Centennial Bank 707 Dewitt Henry Drive Beebe, AR 72012 Full Service B&M $28,208
    Centennial Bank 715 Southwest Drive Jonesboro, AR 72401 Full Service B&M $96,226
    Centennial Bank 718 Broadway Little Rock, AR 72201 Full Service B&M $120,747
    Centennial Bank 7213 Highway 107 Sherwood, AR 72120 Full Service B&M $83,755
    Centennial Bank 786 East Henri De Tonti Boulevard Tontitown, AR 72770 Full Service B&M $22,884
    Centennial Bank 801 East 9th Street Rector, AR 72461 Full Service B&M $31,337
    Centennial Bank 812 North Church Atkins, AR 72823 Full Service B&M $41,776
    Centennial Bank 81541 Old Highway Islamorada, FL 33036 Full Service B&M $76,642
    Centennial Bank 8232 Woodville Highway Tallahassee, FL 32305 Full Service B&M $56,148
    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 $39,909
    Centennial Bank 8630 Nw 25th Street Doral, FL 33122 Full Service B&M $57,942
    Centennial Bank 945 Salem Road Conway, AR 72034 Full Service B&M $64,809
    Centennial Bank 9453 Maumelle Boulevard Maumelle, AR 72113 Full Service B&M $49,950
    Centennial Bank 970 Rinehart Road Lake Mary, FL 32746 Full Service B&M $36,465
    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 $52,931
    Centennial Bank Island Drive And Avenue C Eastpoint, FL 32328 Limited, Drive-thru $0

    For 2020, Centennial Bank had 170 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $687,949
    Net interest income $614,152
    Total noninterest income $99,640
    Gross Fiduciary activities income $1,633
    Service charges on deposit accounts $21,380
    Trading account gains and fees $0
    Additional Noninterest Income $76,627
    Pre-tax net operating income $310,753
    Securities gains (or losses, -) $0
    Income before extraordinary items $238,916
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $238,916
    Minority interest net income $0
    Net income $238,916
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $238,916

    Centennial Bank's gross interest income from loans was $687,949,000.
    Centennial Bank's net interest income from loans was $614,152,000.
    Centennial Bank's fee based income from loans was $21,380,000.
    Centennial Bank's net income from loans was $238,916,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $73,797
    Provision for credit losses $112,263
    Total noninterest expense $290,776
    Salaries and employee benefits $151,678
    Premises and equipment expense $39,615
    Additional noninterest expense $99,483
    Applicable income taxes $71,837
    Net charge-offs $12,416
    Cash dividends $183,711

    Centennial Bank's interest expense for loans was $73,797,000.
    Centennial Bank's payroll and benefits expense were $151,678,000.
    Centennial Bank's property, plant and equipment expenses $39,615,000.

    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 3.0%
    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 $12,878,509
    Deposits held in domestic offices $12,878,509
    Deposits by Individuals, partnerships, and corporations $10,884,021
    Deposits by U.S. Government $167
    Deposits by States and political subdivisions in the U.S. $1,979,587
    Deposits by Commercial banks and other depository institutions in U.S. $14,597
    Deposits by Banks in foreign countries $137
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $667,599
    Demand deposits $477,677
    Nontransaction accounts $12,210,910
    Money market deposit accounts (MMDAs) $10,196,977
    Other savings deposits (excluding MMDAs) $767,135
    Total time deposits $1,246,796
    Total time and savings deposits $12,400,832
    Noninterest-bearing deposits $3,419,471
    Interest-bearing deposits $9,459,037
    Retail deposits $11,654,796
    IRAs and Keogh plan accounts $110,516
    Brokered deposits $635,681
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $16,366,379
    Cash & Balances due from depository institutions $1,259,379
    Interest-bearing balances $1,017,256
    Total securities $2,471,783
    Federal funds sold & reverse repurchase $0
    Net loans and leases $10,975,248
    Loan and leases loss allowance $245,473
    Trading account assets $0
    Bank premises and fixed assets $278,614
    Other real estate owned $4,419
    Goodwill and other intangibles $1,003,753
    All other assets $373,183

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $16,366,379
    Total Liabilities $13,571,912
    Total deposits $12,878,509
    Interest-bearing deposits $9,459,037
    Deposits held in domestic offices $12,878,509
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $168,931
    Trading liabilities $0
    Other borrowed funds $400,000
    Subordinated debt $0
    All other liabilities $124,472

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,975,248
    Loan and leases loss allowance $245,473
    Total loans and leases (domestic) $11,220,721
    All real estate loans $8,178,583
    Real estate loans in domestic offices $8,178,583
    Construction and development loans $1,562,297
    Residential 1-4 family construction $445,721
    Other construction, all land development and other land $1,116,576
    Loans secured by nonfarm nonresidential properties $4,429,059
    Nonfarm nonresidential secured by owner-occupied properties $1,368,458
    Commercial real estate & other non-farm, non-residential $3,060,601
    Multifamily residential real estate $536,538
    1-4 family residential loans $1,536,258
    Farmland loans $114,431
    Loans held in foreign offices $0
    Farm loans $66,870
    Commercial and industrial loans $1,896,441
    To non-U.S. addressees $15,909
    Loans to individuals $864,690
    Credit card loans $0
    Related Plans $2,785
    Consumer Auto Loans $4,173
    Other loans to individuals $857,732
    All other loans & leases $214,136
    Loans to foreign governments and official institutions $0
    Other loans $177,293
    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 $116,297
    Restructured Loans & leases $10,790
    Non 1-4 family restructured loans & leases $9,239
    Total loans and leases (foreign) $0

    Centennial Bank had $10,975,248,000 of loans outstanding in 2020. $8,178,583,000 of loans were in real estate loans. $1,562,297,000 of loans were in development loans. $536,538,000 of loans were in multifamily mortgage loans. $1,536,258,000 of loans were in 1-4 family mortgage loans. $66,870,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,173,000 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 3,484 $714,875 $205,188
    Nonfarm, nonresidential loans - <$100k 631 $22,075 $34,984
    Nonfarm, nonresidential loans - $100-250k 1,093 $112,296 $102,741
    Nonfarm, nonresidential loans - $250k-1MM 1,760 $580,504 $329,832
    Commercial & Industrial, US addressed loans - <$1MM 13,601 $778,303 $57,224
    Commercial & Industrial, US addressed loans - <$100k 10,323 $232,497 $22,522
    Commercial & Industrial, US addressed loans - $100-250k 1,987 $204,804 $103,072
    Commercial & Industrial, US addressed loans - $250k-1MM 1,291 $341,002 $264,138
    Farmland loans - <$1MM 350 $30,862 $88,177
    Farmland loans - <$100k 171 $7,068 $41,333
    Farmland loans - $100-250k 130 $14,474 $111,338
    Farmland loans - $250k-1MM 49 $9,320 $190,204
    Agriculture operations loans - <$1MM 465 $16,473 $35,426
    Agriculture operations loans - <$100k 345 $5,566 $16,133
    Agriculture operations loans - $100-250k 77 $5,426 $70,468
    Agriculture operations loans - $250k-1MM 43 $5,481 $127,465