Centennial Bank

Headquarters: Conway, Arkansas
Charter: Bank
Assets: $24.6B
Fed district: St. Louis
Regulator: Federal Reserve
Holding company: Home Bancshares Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Centennial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Centennial Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Centennial Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $10.0M in Q2 2026, 5.0% above the same quarter a year earlier ($9.6M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Centennial Bank: $35
Centennial Bank: $35
U.S. median: no median
NSF / Returned Item
Centennial Bank: $35
Centennial Bank: $35
U.S. median: no median
Non-Network ATM
Centennial Bank: $2
Centennial Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 4.3% from Q3 2025 to Q2 2026, to $10.0M.

Service-charge income, Q2 2026

$10.0M

$10.5MQ3 2025

$10.5MQ4 2025

$10.0MQ1 2026

$10.0MQ2 2026

Against the median

Centennial BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Centennial Bank · $24.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$20.3B to $29.1B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Centennial Bank(this institution)	Conway, AR	$24.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ameriprise Bank, FSB	Minneapolis, MN	$25.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ameris Bank	Atlanta, GA	$28.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arvest Bank	Fayetteville, AR	$28.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Axos Bank	San Diego, CA	$28.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Hawaii	Honolulu, HI	$23.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Beacon Bank and Trust	Brookline, MA	$22.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Business Bank, National Association	Ontario, CA	$21.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank of Florida	Miami, FL	$29.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Customers Bank	Malvern, PA	$26.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Financial Bank	Cincinnati, OH	$22.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Hawaiian Bank	Honolulu, HI	$23.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Interstate Bank	Billings, MT	$25.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Merchants Bank	Muncie, IN	$21.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mechanics Bank	Walnut Creek, CA	$21.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
OceanFirst Bank, National Association	Toms River, NJ	$23.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Provident Bank	Jersey City, NJ	$25.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Renasant Bank	Tupelo, MS	$27B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sallie Mae Bank	Salt Lake City, UT	$28.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Seacoast National Bank	Stuart, FL	$21.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Simmons Bank	Pine Bluff, AR	$24.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Central Trust Bank	Jefferson City, MO	$20.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Community Bank	Greenville, SC	$29B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
WaFd Bank	Seattle, WA	$27.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WesBanco Bank, Inc.	Wheeling, WV	$27.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wilmington Savings Fund Society, FSB	Wilmington, DE	$22.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Centennial Bank does not publish a monthly maintenance fee in the index.

The peer median is $11 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Centennial Bank does not publish a monthly maintenance fee, so it is not on this chart.

Centennial BankPeer (equal prices stack)Peer medianInclude $45 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Centennial Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $10.0M
vs prior quarter: +$22K+0.2%; from Q1 2026
vs a year earlier: +$478K+5.0%; from Q2 2025
vs start of range: +$142K+1.4%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Centennial Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$10.0M	+$22K	+0.2%
Q1 2026	$10.0M	−$472K	−4.5%
Q4 2025	$10.5M	−$1K	−0.0%
Q3 2025	$10.5M	+$929K	+9.7%
Q2 2025	$9.6M	−$98K	−1.0%
Q1 2025	$9.7M	−$285K	−2.9%
Q4 2024	$9.9M	+$47K	+0.5%
Q3 2024	$9.9M	+$174K	+1.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Centennial Bank’s own schedules, with a source for each figure.

Account Maintenance

Closing Account Fee (within 180 days of account opening)$25
Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$35
Non-Sufficient Fee$35
per item

ATM & Card

ATM Balance Inquiry Fee or Transaction Fee at a Non-Centennial Bank or Non-Publix ATM$2
per item
International ATM Balance Inquiry Fee or Transaction Fee$5
per item

Wire Transfers

Outgoing Domestic Wire Transfers$25
per item
All Incoming Wires$15
per item
Outgoing Foreign Wire Transfers$50
per item

Check Services

Cashier's Checks (Customers Only)$7
per item
Stop Payment Fee$35
per item
Temporary Check Printing$2
Not compared: Charged per page; comparison unavailable
per page
Canadian Item Fee$15
per item
Collection Items (incoming and outgoing)$35
per item
Check Image Copies$2
per item

Digital & Electronic

Basic Bill Pay ServiceNo charge
Bill Pay Service with Payroll Processing$15
Consumer Billpay: Charitable Donation$1.99
Not compared: Per-item charge, not monthly
per item
Consumer Billpay: Gift Pay$2.99
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Night Deposit Keys (above 2)$2
per item

Account Services

Drilling Fee$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Garnishments and Levies$150
per item

Retirement & IRA

IRA Transfer Fee (Outgoing Trustee-to-Trustee Transfer)$50
per item

Other Fees

Photocopies$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copies$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Closing Account Fee (within 180 days of account opening)	$25	Not stated	None
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
Non-Sufficient Fee	$35	per item	None
ATM & Card
ATM Balance Inquiry Fee or Transaction Fee at a Non-Centennial Bank or Non-Publix ATM	$2	per item	None
International ATM Balance Inquiry Fee or Transaction Fee	$5	per item	None
Wire Transfers
Outgoing Domestic Wire Transfers	$25	per item	None
All Incoming Wires	$15	per item	None
Outgoing Foreign Wire Transfers	$50	per item	None
Check Services
Cashier's Checks (Customers Only)	$7	per item	None
Stop Payment Fee	$35	per item	None
Temporary Check Printing	$2Not compared: Charged per page; comparison unavailable	per page	None
Canadian Item Fee	$15	per item	None
Collection Items (incoming and outgoing)	$35	per item	None
Check Image Copies	$2	per item	None
Digital & Electronic
Basic Bill Pay Service	No charge	Not stated	None
Bill Pay Service with Payroll Processing	$15	Not stated	None
Consumer Billpay: Charitable Donation	$1.99Not compared: Per-item charge, not monthly	per item	None
Consumer Billpay: Gift Pay	$2.99Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Night Deposit Keys (above 2)	$2	per item	None
Account Services
Drilling Fee	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishments and Levies	$150	per item	None
Retirement & IRA
IRA Transfer Fee (Outgoing Trustee-to-Trustee Transfer)	$50	per item	None
Other Fees
Photocopies	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copies	$5	per item	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Centennial Bank's early account closure changes in our data

We check once a day and send one email covering every change.