The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (77 → 79), mostly because the loan quality component improved by 3 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Arkansas

Yes. Centennial Bank is an FDIC-insured institution (FDIC certificate #11241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.7% of deposits ($9.1B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.09% (benchmark: 10%).

Check how much of your own balance is covered

Centennial Bank lists 225 offices in 153 cities across 6 states. Most locations:

• Amarillo, TX (11)
• Conway, AR (7)
• Little Rock, AR (7)
• Jonesboro, AR (6)
• Tallahassee, FL (6)
• North Little Rock, AR (5)
• Cabot, AR (4)
• Lubbock, TX (4)
• Fort Lauderdale, FL (3)
• Johnson City, TN (3)
• Key West, FL (3)
• Paragould, AR (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 55 consumer complaints about HOME BANCSHARES, INC. to the company (19 in the last 12 months). 100.0% received a timely response. That is 2.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Centennial Bank reported 4,660 home-loan applications under HMDA (LEI 549300BEFX6JRSCS5N78): 2,868 originated ($1,001,950,000 total), 892 denied, and 856 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Centennial Bank

Former names

Bank of Holly Grove; First State Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

11241

RSSD ID

456045

Primary regulator

FED

Holding company

Home Bancshares Inc

Established

January 1, 1903

Headquarters

620 Chestnut St, Conway, AR 72032

Website

www.my100bank.com

Employees

2,684