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Central Bank
Little Rock, AR · FDIC Certificate #1756 · Chartered 08/1
Total assets
$954.59M
Total deposits
$743.39M
Total equity
$87.67M
Net loans
$809.22M
Branches (offices)
3
Net income (YTD)
$5.04M
Rank: #1,080 of 4,213 U.S. banks by assets · #26 of 78 in Arkansas. Assets changed 20.9% and deposits 17.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 11.84% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 9.18% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 23.3% |
| Noncurrent loans (share of loans) | 4.76% |
| Net charge-offs (share of loans) | 0.68% |
| Loans to deposits | 108.9% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $583.53M | 72.1% | |
| Commercial & industrial | $231.70M | 28.6% | |
| Consumer / individual | $1.40M | 0.2% | |
| Construction & development | $64.72M | 8.0% | |
| Agricultural | $2.46M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $422.32M | $363.25M | $2.84M | $32.56M |
| Jun 2023 | $474.51M | $391.71M | $4.01M | $39.84M |
| Jun 2024 | $629.77M | $531.61M | $4.76M | $49.57M |
| Jun 2025 | $789.44M | $634.41M | $6.78M | $77.94M |
| Jun 2026 | $954.59M | $743.39M | $5.04M | $87.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $743.39M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $743.39M.
Similar-sized banks
Diamond Bank ($957.21M) · Texas Bank ($953.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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