Headquartered in Little Rock, Arkansas, Central Bank is a state-chartered bank with $954.6M in total assets and $743.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1912.
Central Bank has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 77th. Earnings contributes the most (64/100, 1.09%); loan quality contributes the least (0/100, 4.76%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 31 points (65 → 34), mostly because the problem-loan coverage component weakened by 69 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 53 |
| Q4 2024 | 62 |
| Q1 2025 | 66 |
| Q2 2025 | 65 |
| Q3 2025 | 59 |
| Q4 2025 | 54 |
| Q1 2026 | 35 |
| Q2 2026 | 34 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.41% |
| Q3 2024 | 8.39% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.46% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.07% |
| Q4 2025 | 9.75% |
| Q1 2026 | 9.44% |
| Q2 2026 | 9.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.12% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.70% |
| Q1 2026 | 4.83% |
| Q2 2026 | 4.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.71% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.80% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 34 | $954.6M | 9.37% | 4.76% | 1.09% | 108.9% |
| Q1 2026 | 35 | $937.6M | 9.44% | 4.83% | 1.18% | 109.0% |
| Q4 2025 | 54 | $877.8M | 9.75% | 1.70% | 1.40% | 107.9% |
| Q3 2025 | 59 | $849.7M | 10.07% | 1.69% | 1.72% | 102.6% |
| Q2 2025 | 65 | $789.4M | 10.28% | 1.08% | 1.80% | 107.0% |
| Q1 2025 | 66 | $750.7M | 10.46% | 1.16% | 1.87% | 102.6% |
| Q4 2024 | 62 | $727.0M | 10.57% | 0.99% | 1.71% | 98.4% |
| Q3 2024 | 53 | $674.0M | 8.39% | 1.12% | 1.65% | 99.7% |
| Q2 2024 | 51 | $629.8M | 8.41% | 1.22% | 1.57% | 99.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Diamond BankBank Murfreesboro, AR | 69 out of 100, Moderate | $957.2M | 10.0% | 0.58% | vs |
| Stone BankBank Mountain View, AR | 60 out of 100, Moderate | $950.7M | 8.4% | 1.04% | vs |
| FNBC BankBank Ash Flat, AR | 69 out of 100, Moderate | $843.3M | 9.7% | 0.79% | vs |
| First Western BankBank Booneville, AR | 60 out of 100, Moderate | $792.7M | 8.9% | 0.76% | vs |
| The Malvern National BankBank Malvern, AR | 71 out of 100, Strong | $728.4M | 9.4% | 0.09% | vs |
| Union BankBank Mena, AR | 82 out of 100, Strong | $710.2M | 11.4% | 0.26% | vs |
Deposit insurance
Is my money safe at Central Bank?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #1756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.3% of deposits ($172.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.57% (benchmark: 10%).
3 locations
Branches
Central Bank lists 3 offices in 2 cities. Most locations:
- Little Rock, AR (2)
- Bentonville, AR (1)
HMDA 2025
Mortgage lending
In 2025, Central Bank reported 97 home-loan applications under HMDA (LEI 5493008ETVHBTJEF0O91): 91 originated ($39,975,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, 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.
Identity & history
Profile
- Legal name
- Central Bank
- Former names
- Bank of Blevins
- Type
- State-chartered bank
- FDIC certificate #
- 1756
- RSSD ID
- 3488579
- Primary regulator
- FDIC
- Holding company
- Cross County Bancshares Inc
- Established
- August 12, 1912
- Headquarters
- 1506 Market St, Little Rock, AR 72211
- Website
- www.centralbankar.com
- Employees
- 41
Quick answers
Central Bank: common questions
Is Central Bank FDIC insured?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #1756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Bank's TellerScore?
34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Bank ever failed?
There is no failure record for FDIC certificate #1756 in the FDIC failed bank list.
How many branches does Central Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Little Rock
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Electric CooperativesCredit union Little Rock, AR | 94 out of 100, Very strong | $18.6M | 15.2% | 0.08% | vs |
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Arkansas Health Center Federal Credit UnionCredit union Benton, AR | 91 out of 100, Very strong | $9.8M | 16.9% | 0.38% | vs |
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| Peoples BankBank Sheridan, AR | 90 out of 100, Very strong | $313.8M | 13.3% | 0.03% | vs |
| Telcoe Federal Credit UnionCredit union Little Rock, AR | 89 out of 100, Very strong | $503.4M | 20.2% | 0.12% | vs |