Centennial Bank (FDIC #11241): Bank Stress & Real-Estate Credit Exposure
Centennial Bank (FDIC Cert #11241): bank stress 23/100, contained, STABLE over 7 days; parent HOME BANCSHARES INC (HOMB).
Centennial Bank (#11241) lends in 91 counties across 6 states; Centennial Bank (#11241) reaches 1,634 ZIP codes: Texas 36 counties, 540 ZIPs; Florida 28 counties, 654 ZIPs; Arkansas 21 counties, 282 ZIPs; Tennessee 4 counties, 64 ZIPs; New York 1 county, 70 ZIPs; Alabama 1 county, 24 ZIPs.
Centennial Bank (#11241) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#11241), Miami Dade County, FL (243 branches, 81 ZIPs) (#11241), Bexar County, TX (78 branches, 78 ZIPs) (#11241), Tarrant County, TX (228 branches, 76 ZIPs) (#11241), New York County, NY (70 branches, 70 ZIPs) (#11241), Travis County, TX (63 branches, 63 ZIPs) (#11241).
Centennial Bank (#11241) reports $24.55 billion in total assets; Centennial Bank (#11241) equity $4.22 billion (17.2% of Centennial Bank (#11241) assets); Centennial Bank (#11241) domestic deposits $19.56 billion; Centennial Bank (#11241) net income $249.5 million; Centennial Bank (#11241) return on assets 2.13%; Centennial Bank (#11241) return on equity 12.23%; Centennial Bank (#11241) net interest income $473.7 million; Centennial Bank (#11241) call report June 30, 2026.
Centennial Bank (#11241) noncurrent real-estate loans 0.03% of its book; Centennial Bank (#11241) residential 0.06%; Centennial Bank (#11241) net charge-offs on real estate 0.58%; Centennial Bank (#11241) multifamily charge-offs 0.98%; Centennial Bank (#11241) residential charge-offs 0.42%.
Centennial Bank (#11241) net interest margin 4.62% against an eight-quarter Centennial Bank (#11241) average of 4.52% (Centennial Bank (#11241) compression -0.10 points); Centennial Bank (#11241) real-estate loans 3.2% of equity; Centennial Bank (#11241) non-residential real estate 41.9% of equity; Centennial Bank (#11241) rate-exposure score 40/100, Centennial Bank (#11241) fixed-rate trap 40/100; Centennial Bank (#11241) risk type rate trapped; Centennial Bank (#11241) rate regime rates elevated; Centennial Bank (#11241) shares 7.0% below the 52-week high, Centennial Bank (#11241) equity trend stable, Centennial Bank (#11241) snapshot October 19, 2026.
Centennial Bank (#11241) stress score moved from 19.3 on June 22, 2026 to 22.7 on October 19, 2026; Centennial Bank (#11241) ranged 19.3 to 22.7 over 116 snapshots.
Centennial Bank (#11241) alerts: 40 counties; top Centennial Bank (#11241) alert scores: Van Buren County, AR 28 (low); Searcy County, AR 21 (low); Amarillo County, AR 13 (low); Allen County, AR 13 (low); Bovina County, AR 13 (low).