Centennial Bank vs Horatio State Bank
Comparing a Bank in Conway, AR with a Bank in Horatio, AR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Centennial Bank ↗ Bank · Conway, AR · Est. 1903 | Horatio State Bank ↗ Bank · Horatio, AR · Est. 1905 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Conway, AR | Horatio, AR |
| Total assets | $23.0B | $311.8M |
| Capital ratio | 17.5% | 10.9% |
| Return on assets | 2.2% | 1.0% |
| Deposits | $18.2B | $276.7M |
| Branches | 242 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 78 | #1 of 78 |
| Established | 1903 | 1905 |
Centennial Bank
- Assets: $23.0B
- Deposits: $18.2B
- Capital ratio: 17.5%
- Return on assets: 2.2%
- CFPB complaints: 0
- State rank: #3 of 78
Horatio State Bank
- Assets: $311.8M
- Deposits: $276.7M
- Capital ratio: 10.9%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 78
Are both institutions federally insured?
Yes. Centennial Bank is FDIC-insured and Horatio State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Centennial Bank or Horatio State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Centennial Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Centennial Bank safe?
Yes — Centennial Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Horatio State Bank safe?
Yes — Horatio State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Centennial Bank vs Horatio State Bank?
Centennial Bank has a capital ratio of 17.5%, placing it in the top 3% of $10B–100B peers. Horatio State Bank's ratio is 10.9%, placing it in the top 38% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Centennial Bank have compared to Horatio State Bank?
The CFPB database shows 0 complaints against Centennial Bank, and 0 complaints against Horatio State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Centennial Bank with other Banks in Arkansas
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
