Centennial Bank
Headquartered in CONWAY, AR. Analysis based on 168 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $137.1M.
Total 7(a) loans
168
Total approved
$137.1M
Average loan
$816K
States funded in
6
Charge-off rate
1.63%
FY2020–FY2023 cohort
Paid-in-full rate
21.95%
Average rate
7.43%
Average term
172 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 25 |
| 722513 | Limited-Service Restaurants | 10 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 |
| 624410 | Child Day Care Services | 5 |
| 722410 | Drinking Places (Alcoholic Beverages) | 4 |
| 812112 | Beauty Salons | 4 |
| 811198 | All Other Automotive Repair and Maintenance | 4 |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 4 |
| 561730 | Landscaping Services | 3 |
| 238990 | All Other Specialty Trade Contractors | 3 |
Top 10 states
| State | Loans |
|---|---|
| FL | 107 |
| TX | 48 |
| AR | 5 |
| TN | 5 |
| AL | 2 |
| CT | 1 |
Top franchise brands financed
34 franchise loans across 24 distinct brands.
| Franchise | Loans |
|---|---|
| The Toasted Yolk Cafe | 5 |
| Spray Net | 4 |
| Radiant Waxing | 2 |
| Hotworx | 2 |
| Jeremiah's Italian Ice | 2 |
| Tint World | 1 |
| Mister O1 Extraordinary Pizza | 1 |
| BurgerFi | 1 |
| PJ's Coffee of New Orleans | 1 |
| EOS Worldwide | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.