Centennial Bank Mortgage Rates, Fees & Info
Conway, ARLEI: 549300BEFX6JRSCS5N78
Tax ID: 71-0009885
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Mortgage Data
Bank Data
Review & Overview
Centennial Bank is a small 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, Orlando, Fayetteville, and Panama City among others. We have data for 89 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 an average 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% | 9/1/24 |
| 30 Year Conventional Purchase | 6.88% | 9/1/24 |
| 30 Year Conventional Refi | 6.88% | 9/1/24 |
| 30 Year Cash-out Refi | 7.10% | 9/1/24 |
| 30 Year FHA Purchase | 7.38% | 9/1/24 |
| 30 Year FHA Refi | 7.11% | 9/1/24 |
| 30 Year VA Purchase | 6.24% | 9/1/24 |
| 30 Year VA Refi | 6.27% | 9/1/24 |
| 30 Year USDA Purchase | 6.86% | 9/1/24 |
| 15 Year Conventional Purchase | 6.32% | 9/1/24 |
| 15 Year Conventional Refi | 6.27% | 9/1/24 |
| 15 Year Cash-out Refi | 6.27% | 9/1/24 |
| 15 Year FHA Purchase | 5.68% | 9/1/24 |
| 15 Year VA Purchase | 5.70% | 9/1/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,538Origination Dollar Volume (All Markets)
$1,025,760,000Employee count
1,990Awards
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Centennial Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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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) | 951 | $184,255,000 | $193,749 | $3,797 | 3.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 134 | $144,880,000 | $1,081,194 | $7,254 | 3.42% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 132 | $121,840,000 | $923,030 | $6,224 | 3.68% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 273 | $66,845,000 | $244,853 | $3,996 | 3.23% |
| Outside of Metro Areas | 325 | $65,745,000 | $202,292 | $4,192 | 3.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 223 | $58,025,000 | $260,202 | $5,952 | 3.02% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 145 | $50,095,000 | $345,483 | $6,950 | 2.97% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 118 | $33,590,000 | $284,661 | $6,354 | 3.79% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 104 | $33,270,000 | $319,904 | $4,874 | 3.28% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 158 | $29,950,000 | $189,557 | $4,990 | 3.08% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 73 | $25,025,000 | $342,808 | $5,688 | 3.25% |
| JONESBORO, AR (FHA|USDA|VA) | 134 | $23,380,000 | $174,478 | $3,527 | 3.03% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 66 | $22,350,000 | $338,636 | $6,610 | 3.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 21 | $18,535,000 | $882,619 | $6,996 | 3.59% |
| Key West, FL (FHA|USDA|VA) | 27 | $14,835,000 | $549,444 | $7,432 | 3.59% |
| Russellville, AR (FHA|USDA|VA) | 103 | $14,655,000 | $142,282 | $2,807 | 3.21% |
| Searcy, AR (FHA|USDA|VA) | 95 | $14,615,000 | $153,842 | $3,294 | 3.48% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 54 | $14,430,000 | $267,222 | $3,948 | 3.60% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 73 | $9,745,000 | $133,493 | $3,411 | 3.17% |
| Batesville, AR (FHA|USDA|VA) | 63 | $8,395,000 | $133,254 | $3,025 | 3.28% |
| Paragould, AR (FHA|USDA|VA) | 44 | $6,300,000 | $143,182 | $2,886 | 3.24% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 17 | $5,565,000 | $327,353 | $5,324 | 4.15% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 19 | $4,935,000 | $259,737 | $4,330 | 4.23% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $4,290,000 | $2,145,000 | $6,301 | 3.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $4,240,000 | $353,333 | $6,558 | 3.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 14 | $3,590,000 | $256,429 | $3,131 | 3.49% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $3,510,000 | $1,755,000 | $0 | 5.14% |
| Mountain Home, AR (FHA|USDA|VA) | 22 | $3,350,000 | $152,273 | $3,186 | 3.70% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 9 | $1,805,000 | $200,556 | $5,943 | 3.94% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $1,790,000 | $895,000 | $9,815 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $1,750,000 | $875,000 | $6,308 | 3.81% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $5,039 | 3.43% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $5,294 | 3.22% |
| PINE BLUFF, AR (FHA|USDA|VA) | 12 | $1,650,000 | $137,500 | $2,697 | 4.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $8,360 | 3.28% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,530,000 | $382,500 | $4,021 | 3.94% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $11,726 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,870 | 3.73% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $3,071 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $11,342 | 3.00% |
| Boone, NC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,242 | 3.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,066 | 3.38% |
| Helena-West Helena, AR (FHA|USDA|VA) | 9 | $885,000 | $98,333 | $3,752 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,622 | 3.19% |
| Blytheville, AR (FHA|USDA|VA) | 9 | $805,000 | $89,444 | $2,814 | 3.67% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $6,974 | 3.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $8,401 | 2.25% |
| Malvern, AR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,590 | 2.69% |
| Keene, NH (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $11,650 | 3.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,521 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,978 | 4.13% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,097 | 2.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $19,279 | 2.38% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,063 | 2.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,231 | 2.44% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,405 | 3.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,433 | 3.06% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $18,294 | 2.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,734 | 2.63% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $18,152 | 2.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,966 | 3.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,759 | 2.69% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,468 | 3.13% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,403 | 2.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,883 | 2.63% |
| Kennett, MO (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,747 | 3.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,876 | 3.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,924 | 3.13% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,375 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,056 | 2.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,255 | 3.81% |
| Harrison, AR (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,723 | 3.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,259 | 4.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,480 | 2.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,529 | 2.75% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,094 | 3.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,061 | 2.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,695 | 3.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,029 | 3.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,191 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,785 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $1,528 | 3.25% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,894 | 3.75% |
| Forrest City, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,757 | 4.00% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,468 | 2.38% |
| Branson, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.88% |
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Product Mix
For 2021, Centennial Bank's most frequently originated type of loan was Conventional, with 2,756 originations. Their 2nd most popular type was FHA, with 405 originations.
Loan Reason
For 2021, Centennial Bank's most frequently cited loan purpose was Home Purchase, with 2,421 originations. The 2nd most popular reason was Refi, with 549 originations.
Loan Duration/Length
For 2021, Centennial Bank's most frequently cited loan duration was 30 Year, with 2,413 originations. The 2nd most popular length was 15 Year, with 366 originations.
Origination Fees/Closing Costs
Centennial Bank's average total fees were $4,777, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,091 originations.
Interest Rates
During 2021, Centennial Bank's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 1,463 originations.
Loan Sizing
2021 saw Centennial Bank place emphasis on $100k-200k loans with 1,260 originations, totaling $188,950,000 in origination value.
Applicant Income
Centennial Bank lent most frequently to those with incomes in the $50k-75k range, with 778 originations. The second most popular income band? $50k or less, with 767 originations.
Applicant Debt to Income Ratio
Centennial Bank lent most frequently to those with DTI ratios of 20-30%, with 697 originations. The next most common DTI ratio? 30-36%, with 597 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.19%
Centennial Bank has a below average approval rate.
Pick Rate
Approvals leading to origination71.88%
Centennial Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,538 | $1,025,760,000 | $289,927 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,538 | $1,025,760,000 | $289,927 |
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Centennial Bank | #8 Business Park Drive Greenbrier, AR 72058 | Full Service B&M | $54,820 |
| Centennial Bank | 1 City Plaza Cabot, AR 72023 | Full Service B&M | $77,829 |
| Centennial Bank | 1000 South Rodgers Clarksville, AR 72830 | Full Service B&M | $61,666 |
| Centennial Bank | 100280 Overseas Highway Key Largo, FL 33037 | Full Service B&M | $92,224 |
| Centennial Bank | 101 Highway 412 East Siloam Springs, AR 72761 | Full Service B&M | $33,673 |
| Centennial Bank | 101 Wilder Road Big Pine Key, FL 33050 | Full Service B&M | $78,259 |
| Centennial Bank | 10310 Griffin Road Cooper City, FL 33328 | Full Service B&M | $63,205 |
| Centennial Bank | 10315 Interstate 30 Little Rock, AR 72209 | Full Service B&M | $45,402 |
| Centennial Bank | 1044 Main Street Vilonia, AR 72173 | Full Service B&M | $66,735 |
| Centennial Bank | 10911 Sr 20 Bristol, FL 32321 | Full Service B&M | $29,282 |
| Centennial Bank | 1100 Southeast Third Avenue Fort Lauderdale, FL 33316 | Full Service B&M | $273,100 |
| Centennial Bank | 11290 Overseas Highway Marathon, FL 33050 | Full Service B&M | $312,746 |
| Centennial Bank | 1165 West 49th Street, Suite 107 Hialeah, FL 33012 | Full Service B&M | $3,277 |
| Centennial Bank | 12 East 49th Street, 28th Floor New York, NY 10017 | Full Service B&M | $119,529 |
| Centennial Bank | 120 West North Street Ward, AR 72176 | Full Service B&M | $24,958 |
| Centennial Bank | 1204 South Pine Street Cabot, AR 72023 | Full Service B&M | $38,041 |
| Centennial Bank | 1208 Oak Street Conway, AR 72032 | Full Service B&M | $39,583 |
| Centennial Bank | 121 Alhambra Plaza Suite 151 Coral Gables, FL 33134 | Full Service B&M | $313,323 |
| Centennial Bank | 121 East Main Street Mountain View, AR 72560 | Full Service B&M | $96,560 |
| Centennial Bank | 12141 Panama City Beach Parkway Panama City Beach, FL 32407 | Full Service B&M | $99,889 |
| Centennial Bank | 1222 North Arkansas Avenue Russellville, AR 72801 | Full Service B&M | $176,639 |
| Centennial Bank | 1229 Simonton Street Key West, FL 33040 | Full Service B&M | $85,115 |
| Centennial Bank | 1240 Main Street Batesville, AR 72501 | Full Service B&M | $20,231 |
| Centennial Bank | 125 North Highway 71 Wewahitchka, FL 32465 | Full Service B&M | $49,083 |
| Centennial Bank | 126 Osprey Avenue Sarasota, FL 34236 | Full Service B&M | $236,573 |
| Centennial Bank | 12670 Creekside Lane, Suite 101 Fort Myers, FL 33919 | Full Service B&M | $140,193 |
| Centennial Bank | 1300 West Beebe-Capps Expressway Searcy, AR 72143 | Full Service B&M | $43,316 |
| Centennial Bank | 1301 Rebsamen Park Road Little Rock, AR 72202 | Full Service B&M | $140,668 |
| Centennial Bank | 1302 North Business Highway 9 Morrilton, AR 72110 | Full Service B&M | $58,365 |
| 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 | $3,150 |
| Centennial Bank | 13910 Cantrell Road Little Rock, AR 72223 | Full Service B&M | $64,393 |
| Centennial Bank | 1400 East Joyce Blvd Fayetteville, AR 72703 | Full Service B&M | $172,167 |
| Centennial Bank | 14033 8th Street Dade City, FL 33525 | Full Service B&M | $228,437 |
| Centennial Bank | 1430 North Federal Highway Fort Lauderdale, FL 33304 | Full Service B&M | $175,977 |
| Centennial Bank | 1445 Hogan Lane Conway, AR 72034 | Full Service B&M | $88,962 |
| 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 | $92,294 |
| Centennial Bank | 14877 North Dale Mabry Highway Tampa, FL 33618 | Full Service B&M | $93,424 |
| Centennial Bank | 1504 Weston Road Weston, FL 33326 | Full Service B&M | $100,708 |
| Centennial Bank | 1606 1st Street South Winter Haven, FL 33880 | Full Service B&M | $20,813 |
| Centennial Bank | 1631 Highway 25b North Heber Springs, AR 72543 | Full Service B&M | $29,725 |
| Centennial Bank | 1815 East Oak Street Conway, AR 72032 | Full Service B&M | $25,080 |
| Centennial Bank | 1816 West Main Street Jacksonville, AR 72076 | Full Service B&M | $62,087 |
| Centennial Bank | 1895 Harrison Street Batesville, AR 72501 | Full Service B&M | $74,465 |
| Centennial Bank | 1900 John Hardin Drive Jacksonville, AR 72076 | Full Service B&M | $22,956 |
| Centennial Bank | 1907 James Redman Parkway Plant City, FL 33563 | Full Service B&M | $25,974 |
| Centennial Bank | 1927 Hwy 62/412 Highland, AR 72542 | Full Service B&M | $26,913 |
| Centennial Bank | 1953 Thomasville Road Tallahassee, FL 32308 | Full Service B&M | $54,958 |
| Centennial Bank | 1991 Stirling Road Dania Beach, FL 33004 | Full Service B&M | $84,176 |
| Centennial Bank | 201 East Garden Street, Suite A Pensacola, FL 32502 | Full Service B&M | $92,360 |
| Centennial Bank | 202 Marina Drive Port Saint Joe, FL 32457 | Full Service B&M | $209,927 |
| Centennial Bank | 20734 Central Avenue East Blountstown, FL 32424 | Full Service B&M | $46,984 |
| Centennial Bank | 211 East Washington Jonesboro, AR 72401 | Full Service B&M | $80,910 |
| Centennial Bank | 2110 Fayetteville Road Van Buren, AR 72956 | Full Service B&M | $12,023 |
| Centennial Bank | 2171 West Main Street Cabot, AR 72023 | Full Service B&M | $160,446 |
| Centennial Bank | 218 North Greeno Rd Fairhope, AL 36532 | Full Service B&M | $71,116 |
| Centennial Bank | 22 Avenue E Apalachicola, FL 32320 | Full Service B&M | $111,088 |
| Centennial Bank | 2200 Airport Boulevard Pensacola, FL 32504 | Full Service B&M | $38,855 |
| Centennial Bank | 2200 Stanford Rd Panama City, FL 32413 | Full Service B&M | $80,637 |
| Centennial Bank | 2201 West First Street Gulf Shores, AL 36542 | Full Service B&M | $332,807 |
| Centennial Bank | 2205 South University Drive Davie, FL 33324 | Full Service B&M | $252,895 |
| Centennial Bank | 2224 N. Reynolds Rd. Bryant, AR 72022 | Full Service B&M | $29,062 |
| Centennial Bank | 2241 South Caraway Road Jonesboro, AR 72401 | Full Service B&M | $17,389 |
| Centennial Bank | 2300 West Kingshighway Paragould, AR 72450 | Full Service B&M | $23,077 |
| Centennial Bank | 23000 State Road 54 Lutz, FL 33549 | Full Service B&M | $55,472 |
| Centennial Bank | 2400 Aggie Road Jonesboro, AR 72401 | Full Service B&M | $1,098 |
| Centennial Bank | 2400 North Commerce Parkway Weston, FL 33326 | Limited, Administrative | $0 |
| Centennial Bank | 2404 Linwood Drive Paragould, AR 72450 | Full Service B&M | $16,935 |
| Centennial Bank | 2415 Aloma Avenue Winter Park, FL 32792 | Full Service B&M | $51,315 |
| Centennial Bank | 2485 Highway 412 East Siloam Springs, AR 72761 | Full Service B&M | $29,176 |
| Centennial Bank | 24989 State Street Elberta, AL 36530 | Full Service B&M | $49,760 |
| Centennial Bank | 2500 Dave Ward Drive Conway, AR 72034 | Full Service B&M | $38,003 |
| Centennial Bank | 25051 Canal Street Orange Beach, AL 36561 | Full Service B&M | $117,198 |
| Centennial Bank | 2506 East Parkway Drive Russellville, AR 72802 | Full Service B&M | $67,334 |
| Centennial Bank | 2514 N. Roosevelt Blvd. Key West, FL 33040 | Full Service B&M | $121,192 |
| Centennial Bank | 2515 Thomas Drive Panama City Beach, FL 32408 | Full Service B&M | $36,489 |
| Centennial Bank | 2600 East Commercial Boulevard Fort Lauderdale, FL 33308 | Full Service B&M | $480,253 |
| Centennial Bank | 2620 East Race Avenue Searcy, AR 72143 | Full Service B&M | $26,264 |
| Centennial Bank | 26417 Us Hwy 19n Clearwater, FL 33761 | Full Service B&M | $13,828 |
| Centennial Bank | 2690 Donaghey Conway, AR 72032 | Full Service B&M | $39,984 |
| 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 | $23,749 |
| Centennial Bank | 2716 Lakewood Village Place North Little Rock, AR 72116 | Full Service B&M | $326,265 |
| Centennial Bank | 2780 West Tennessee Street Tallahassee, FL 32304 | Full Service B&M | $35,083 |
| Centennial Bank | 2901 East Highland Drive Jonesboro, AR 72401 | Full Service B&M | $632,952 |
| Centennial Bank | 2901 South Walton Boulevard Bentonville, AR 72712 | Full Service B&M | $10,970 |
| Centennial Bank | 2922 South University Little Rock, AR 72204 | Full Service B&M | $11,915 |
| Centennial Bank | 2932 Crawfordville Highway Crawfordville, FL 32327 | Full Service B&M | $330,952 |
| Centennial Bank | 30 Highway 64 West Beebe, AR 72012 | Full Service B&M | $26,339 |
| Centennial Bank | 300 South Pine Island Road Plantation, FL 33324 | Full Service B&M | $158,025 |
| Centennial Bank | 300 West Emerson Paragould, AR 72450 | Full Service B&M | $37,417 |
| Centennial Bank | 301 Sylamore Avenue Mountain View, AR 72560 | Full Service B&M | $44,457 |
| Centennial Bank | 3010 W. 6th Street Fayetteville, AR 72701 | Full Service B&M | $154,038 |
| Centennial Bank | 302 West Drew Avenue Monette, AR 72447 | Full Service B&M | $59,934 |
| Centennial Bank | 3021 Airport-Pulling Road North Naples, FL 34105 | Full Service B&M | $197,625 |
| Centennial Bank | 305 E Broadway St North Little Rock, AR 72114 | Full Service B&M | $181,471 |
| Centennial Bank | 3110 Capital Circle, Northeast Tallahassee, FL 32308 | Full Service B&M | $130,502 |
| Centennial Bank | 3111 Bill Foster Memorial Highway Cabot, AR 72023 | Full Service B&M | $19,719 |
| Centennial Bank | 3111 North University Drive, Suite 101 Coral Springs, FL 33065 | Full Service B&M | $72,006 |
| Centennial Bank | 321 South County Hwy 393 Santa Rosa Beach, FL 32459 | Full Service B&M | $35,468 |
| Centennial Bank | 3395 West Sunset Avenue Springdale, AR 72762 | Full Service B&M | $13,588 |
| Centennial Bank | 34855 Highway 98 East Destin, FL 32541 | Full Service B&M | $78,359 |
| Centennial Bank | 3505 East Johnson Avenue Jonesboro, AR 72401 | Limited, Drive-thru | $10,735 |
| Centennial Bank | 3552 13th Street Saint Cloud, FL 34769 | Full Service B&M | $55,073 |
| Centennial Bank | 3555 Military Trail Jupiter, FL 33458 | Full Service B&M | $209,773 |
| Centennial Bank | 3601 East Race Street Searcy, AR 72143 | Full Service B&M | $12,973 |
| Centennial Bank | 3615 Apalachee Parkway Tallahassee, FL 32311 | Full Service B&M | $35,254 |
| Centennial Bank | 37741 Eiland Blvd Zephyrhills, FL 33542 | Full Service B&M | $35,577 |
| Centennial Bank | 3811 Mcarthur Drive North Little Rock, AR 72118 | Full Service B&M | $37,753 |
| Centennial Bank | 3850 North Federal Highway Boca Raton, FL 33431 | Full Service B&M | $211,558 |
| Centennial Bank | 3921 East County Highway 30-A Santa Rosa Beach, FL 32459 | Full Service B&M | $36,131 |
| Centennial Bank | 400 North Federal Highway Pompano Beach, FL 33062 | Full Service B&M | $152,346 |
| Centennial Bank | 4000 West Walnut Rogers, AR 72756 | Full Service B&M | $15,065 |
| Centennial Bank | 401 Taylor Street Punta Gorda, FL 33950 | Full Service B&M | $135,816 |
| Centennial Bank | 4301 Barclay Avenue Spring Hill, FL 34609 | Full Service B&M | $76,483 |
| Centennial Bank | 4301 West Boy Scout Boulevard, Suite 150 Tampa, FL 33607 | Full Service B&M | $92,005 |
| Centennial Bank | 4308 Broadway North Little Rock, AR 72117 | Full Service B&M | $41,799 |
| Centennial Bank | 440 South Florida Avenue Lakeland, FL 33801 | Full Service B&M | $25,391 |
| Centennial Bank | 4515 Camp Robinson Road North Little Rock, AR 72118 | Full Service B&M | $31,629 |
| Centennial Bank | 4594 Overseas Highway Marathon, FL 33050 | Full Service B&M | $21,905 |
| Centennial Bank | 4600 West Kennedy Boulevard Tampa, FL 33609 | Full Service B&M | $98,915 |
| Centennial Bank | 4601 Sheridan St, Ste 100 Hollywood, FL 33021 | Full Service B&M | $86,580 |
| Centennial Bank | 4625 Old Greenwood Road Fort Smith, AR 72903 | Full Service B&M | $15,109 |
| Centennial Bank | 4845 4th Street North Saint Petersburg, FL 33703 | Full Service B&M | $96,780 |
| Centennial Bank | 5 Jefferson St Eastpoint, FL 32328 | Limited, Drive-thru | $18,636 |
| Centennial Bank | 500 S Australian Ave, Ste 100 West Palm Beach, FL 33401 | Full Service B&M | $181,174 |
| Centennial Bank | 500 U. S. Highway 41 Bypass North Venice, FL 34285 | Full Service B&M | $170,837 |
| Centennial Bank | 501 S Mckenzie Street Foley, AL 36535 | Full Service B&M | $77,472 |
| Centennial Bank | 520 Bowman Little Rock, AR 72211 | Full Service B&M | $52,730 |
| Centennial Bank | 5551 Sunset Lane Saint James City, FL 33956 | Full Service B&M | $91,850 |
| Centennial Bank | 5801 Rogers Avenue Fort Smith, AR 72903 | Full Service B&M | $66,937 |
| Centennial Bank | 582 Hwy 365 South Mayflower, AR 72106 | Full Service Retail | $20,711 |
| Centennial Bank | 5850 Fruitville Road Sarasota, FL 34232 | Full Service B&M | $95,175 |
| Centennial Bank | 5987 U.S. Highway 64 East Pottsville, AR 72858 | Full Service B&M | $11,372 |
| Centennial Bank | 600 Union Street Dardanelle, AR 72834 | Full Service B&M | $52,234 |
| Centennial Bank | 6039 Heber Springs Road West Quitman, AR 72131 | Full Service B&M | $19,573 |
| Centennial Bank | 607 Highway 98 Carrabelle, FL 32322 | Full Service B&M | $46,716 |
| Centennial Bank | 61 West Gulf Beach Drive Eastpoint, FL 32328 | Full Service B&M | $78,688 |
| Centennial Bank | 615 E Elkcam Circle Marco Island, FL 34145 | Full Service B&M | $44,426 |
| 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 | $541,479 |
| Centennial Bank | 625 North Central Avenue Kissimmee, FL 34741 | Full Service B&M | $48,330 |
| Centennial Bank | 635 Baldwin Road Panama City, FL 32405 | Full Service B&M | $77,998 |
| Centennial Bank | 6529 Thomasville Road Tallahassee, FL 32309 | Full Service B&M | $39,086 |
| Centennial Bank | 665 Highway 62 East Mountain Home, AR 72653 | Full Service B&M | $93,643 |
| Centennial Bank | 6701 Boston St Fort Smith, AR 72903 | Limited, Drive-thru | $41 |
| Centennial Bank | 701 Whitehead Street Key West, FL 33040 | Full Service B&M | $32,384 |
| Centennial Bank | 702 Pat Thomas Highway Quincy, FL 32351 | Full Service B&M | $52,897 |
| Centennial Bank | 707 Dewitt Henry Drive Beebe, AR 72012 | Full Service B&M | $38,801 |
| Centennial Bank | 715 Southwest Drive Jonesboro, AR 72401 | Full Service B&M | $102,599 |
| Centennial Bank | 718 Broadway Little Rock, AR 72201 | Full Service B&M | $172,986 |
| Centennial Bank | 7213 Highway 107 Sherwood, AR 72120 | Full Service B&M | $84,431 |
| Centennial Bank | 786 East Henri De Tonti Boulevard Tontitown, AR 72770 | Full Service B&M | $26,883 |
| Centennial Bank | 801 East 9th Street Rector, AR 72461 | Full Service B&M | $36,308 |
| Centennial Bank | 812 North Church Atkins, AR 72823 | Full Service B&M | $47,170 |
| Centennial Bank | 81541 Old Highway Islamorada, FL 33036 | Full Service B&M | $110,323 |
| Centennial Bank | 8232 Woodville Highway Tallahassee, FL 32305 | Full Service B&M | $64,272 |
| 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 | $51,190 |
| Centennial Bank | 8630 Nw 25th Street Doral, FL 33122 | Full Service B&M | $73,601 |
| Centennial Bank | 945 Salem Road Conway, AR 72034 | Full Service B&M | $73,382 |
| Centennial Bank | 9453 Maumelle Boulevard Maumelle, AR 72113 | Full Service B&M | $65,845 |
| Centennial Bank | 970 Rinehart Road Lake Mary, FL 32746 | Full Service B&M | $49,726 |
| 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 | $55,832 |
| Centennial Bank | Island Drive And Avenue C Eastpoint, FL 32328 | Limited, Drive-thru | $0 |
For 2021, Centennial Bank had 169 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $639,286 |
| Net interest income | $606,249 |
| Total noninterest income | $113,948 |
| Gross Fiduciary activities income | $1,960 |
| Service charges on deposit accounts | $22,277 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $89,711 |
| Pre-tax net operating income | $441,270 |
| Securities gains (or losses, -) | $218 |
| Income before extraordinary items | $336,579 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $336,579 |
| Minority interest net income | $0 |
| Net income | $336,579 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $336,406 |
Centennial Bank's gross interest income from loans was $639,286,000.
Centennial Bank's net interest income from loans was $606,249,000.
Centennial Bank's fee based income from loans was $22,277,000.
Centennial Bank's net income from loans was $336,579,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $33,037 |
| Provision for credit losses | $-4,752 |
| Total noninterest expense | $283,679 |
| Salaries and employee benefits | $157,857 |
| Premises and equipment expense | $38,864 |
| Additional noninterest expense | $86,958 |
| Applicable income taxes | $104,909 |
| Net charge-offs | $8,759 |
| Cash dividends | $285,372 |
Centennial Bank's interest expense for loans was $33,037,000.
Centennial Bank's payroll and benefits expense were $157,857,000.
Centennial Bank's property, plant and equipment expenses $38,864,000.
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 | 2.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 2.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $14,552,155 |
| Deposits held in domestic offices | $14,552,155 |
| Deposits by Individuals, partnerships, and corporations | $12,621,462 |
| Deposits by U.S. Government | $1,579 |
| Deposits by States and political subdivisions in the U.S. | $1,912,837 |
| Deposits by Commercial banks and other depository institutions in U.S. | $14,661 |
| Deposits by Banks in foreign countries | $1,616 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $1,166,736 |
| Demand deposits | $936,193 |
| Nontransaction accounts | $13,385,419 |
| Money market deposit accounts (MMDAs) | $11,560,307 |
| Other savings deposits (excluding MMDAs) | $944,226 |
| Total time deposits | $880,887 |
| Total time and savings deposits | $13,615,962 |
| Noninterest-bearing deposits | $4,419,463 |
| Interest-bearing deposits | $10,132,692 |
| Retail deposits | $13,604,862 |
| IRAs and Keogh plan accounts | $101,861 |
| Brokered deposits | $625,704 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $18,017,667 |
| Cash & Balances due from depository institutions | $3,645,203 |
| Interest-bearing balances | $3,525,327 |
| Total securities | $3,117,557 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $9,599,375 |
| Loan and leases loss allowance | $236,714 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $275,760 |
| Other real estate owned | $1,631 |
| Goodwill and other intangibles | $998,070 |
| All other assets | $380,071 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $18,017,667 |
| Total Liabilities | $15,205,649 |
| Total deposits | $14,552,155 |
| Interest-bearing deposits | $10,132,692 |
| Deposits held in domestic offices | $14,552,155 |
| % insured (estimated) | $61 |
| Federal funds purchased and repurchase agreements | $140,886 |
| Trading liabilities | $0 |
| Other borrowed funds | $400,000 |
| Subordinated debt | $0 |
| All other liabilities | $112,608 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $9,599,375 |
| Loan and leases loss allowance | $236,714 |
| Total loans and leases (domestic) | $9,836,089 |
| All real estate loans | $7,425,799 |
| Real estate loans in domestic offices | $7,425,799 |
| Construction and development loans | $1,850,049 |
| Residential 1-4 family construction | $546,341 |
| Other construction, all land development and other land | $1,303,708 |
| Loans secured by nonfarm nonresidential properties | $3,889,284 |
| Nonfarm nonresidential secured by owner-occupied properties | $1,153,705 |
| Commercial real estate & other non-farm, non-residential | $2,735,579 |
| Multifamily residential real estate | $280,837 |
| 1-4 family residential loans | $1,274,955 |
| Farmland loans | $130,674 |
| Loans held in foreign offices | $0 |
| Farm loans | $43,920 |
| Commercial and industrial loans | $1,386,747 |
| To non-U.S. addressees | $11,932 |
| Loans to individuals | $825,519 |
| Credit card loans | $0 |
| Related Plans | $3,256 |
| Consumer Auto Loans | $2,832 |
| Other loans to individuals | $819,431 |
| All other loans & leases | $154,105 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $129,627 |
| 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 | $229,365 |
| Restructured Loans & leases | $6,514 |
| Non 1-4 family restructured loans & leases | $5,544 |
| Total loans and leases (foreign) | $0 |
Centennial Bank had $9,599,375,000 of loans outstanding in 2021. $7,425,799,000 of loans were in real estate loans. $1,850,049,000 of loans were in development loans. $280,837,000 of loans were in multifamily mortgage loans. $1,274,955,000 of loans were in 1-4 family mortgage loans. $43,920,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,832,000 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 | 3,107 | $605,497 | $194,882 |
| Nonfarm, nonresidential loans - <$100k | 574 | $19,489 | $33,953 |
| Nonfarm, nonresidential loans - $100-250k | 971 | $94,954 | $97,790 |
| Nonfarm, nonresidential loans - $250k-1MM | 1,562 | $491,054 | $314,375 |
| Commercial & Industrial, US addressed loans - <$1MM | 6,231 | $361,111 | $57,954 |
| Commercial & Industrial, US addressed loans - <$100k | 4,223 | $64,954 | $15,381 |
| Commercial & Industrial, US addressed loans - $100-250k | 1,107 | $86,249 | $77,912 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 901 | $209,908 | $232,972 |
| Farmland loans - <$1MM | 389 | $34,437 | $88,527 |
| Farmland loans - <$100k | 196 | $8,272 | $42,204 |
| Farmland loans - $100-250k | 140 | $14,721 | $105,150 |
| Farmland loans - $250k-1MM | 53 | $11,444 | $215,925 |
| Agriculture operations loans - <$1MM | 447 | $14,200 | $31,767 |
| Agriculture operations loans - <$100k | 335 | $5,226 | $15,600 |
| Agriculture operations loans - $100-250k | 74 | $4,637 | $62,662 |
| Agriculture operations loans - $250k-1MM | 38 | $4,337 | $114,132 |