Compared with Arkansas
11 of 15
compared fees are above the median.
1 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
64th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the Arkansas median
of 15 compared; 1 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Arkansas median | Published fees above the Arkansas 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
Service charges were 3.5% of revenue, above the 2.9% median of 95 banks with $10B to $50B in assets (64th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
11 of 15 compared published fees sit above the Arkansas median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arkansas medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 4.3% from Q3 2025 to Q2 2026, to $10.0M. Its share of revenue, 3.5%, is above the 2.9% median for banks with $10B to $50B in assets.
$10.0M
Centennial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Centennial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Centennial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Centennial Bank by share.
Amounts from Centennial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per page
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Account Fee (within 180 days of account opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research/Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry Fee or Transaction Fee at a Non-Centennial Bank or Non-Publix ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| International ATM Balance Inquiry Fee or Transaction Fee | $5Inside the U.S. middle 50% ($2.06 to $5 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfers | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| All Incoming Wires | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Foreign Wire Transfers | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Checks (Customers Only) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check Printing | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Canadian Item Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Items (incoming and outgoing) | $35Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Image Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Basic Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Service with Payroll Processing | $15Above the U.S. middle 50% ($0 to $6 nationally) | 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) | $2Below the U.S. middle 50% ($5 to $15 nationally) | 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 | $150Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing Trustee-to-Trustee Transfer) | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Photocopies | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Centennial Bank operates, and what regulators and customers have on file.
Branch footprint
230 offices in 6 states, $19.6B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 68 | $4.8B |
| 20 | $2.9B | |
| 31 | $2.8B | |
| 5 | $1.2B | |
| 14 | $1.2B | |
| 11 | $936.5M | |
| 7 | $831.2M | |
| 7 | $629.6M |
Miami-Fort Lauderdale-West Palm Beach, FL
0.8% of bank deposits, #25 of 86, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 12.5% |
| Wells Fargo Bank, National Association | 10.7% |
| Citibank, National Association | 6.4% |
| Truist Bank | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Miami-Fort Lauderdale-West Palm Beach, FL, Centennial Bank holds 0.8% of bank deposits, #25 of 86, with 20 offices.
The fee comparison uses its home metro, Little Rock-North Little Rock-Conway, AR.
900 offices of 24 institutions shown.
Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 86 institutions shown. $348.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2015 to 2026
June 2026: 0.8% share, 20 offices, #25 of 86
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2015 to 2026.
Credit unions, reported separately
173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
14 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 6 |
| Problem with a lender or other company charging your account | 2 |
| Fraud or scam | 2 |
| Trouble during payment process | 1 |
| Opening an account | 1 |
| Credit monitoring or identity theft protection services | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
HOME BANCSHARES INC (NYSE: HOMB)
Consolidated assets
$24.7B
Shareholders' equity
$4.5B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1331520. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.