Centennial Bank (AR): SBA Lending Record
What SBA's own loan files show about Centennial Bank (AR) as an SBA lender, and how a lender's record bears on a feasibility study.
Gross approvals for Centennial Bank (AR) total $236.1 million on 302 loans, FY2017 to FY2026. 302 loans, all in 7(a), stand against Centennial Bank (AR); none are 504. Centennial Bank (AR) is listed by SBA as holder of 302 7(a) loans. Centennial Bank (AR) does not guarantee 302 loans; SBA does.
Where Centennial Bank (AR) loans sit
Centennial Bank (AR) puts its largest named classes at Full-service restaurant, 29, Limited-service restaurant, 19, Child care center, 16, Coffee shop and snack bar, 14 and Fitness center, 7 loans. Centennial Bank (AR)'s largest group, 176 loans, fits no class. Centennial Bank (AR)'s states by loans run Florida, 171, Texas, 88, Tennessee, 25 and Arkansas, 12.
Centennial Bank (AR) loans after approval
Centennial Bank (AR) approvals cancelled after approval, FY2017 to FY2024: 10.2%, a floor. Centennial Bank (AR) has a ceiling of 10.2% once undisbursed approvals count as cancelled. 4.5% is the Centennial Bank (AR) charge-off floor. The cohort of 178 Centennial Bank (AR) loans was disbursed in FY2017 to FY2021. Centennial Bank (AR) five-year view: withheld by Loan Analytics. Centennial Bank (AR): read each rate as a floor.
Centennial Bank (AR) record and a borrower's study
Centennial Bank (AR) lists 29 loans in the Full-service restaurant class. Centennial Bank (AR) study needs labour and food cost. Centennial Bank (AR): seating demand remains open across 29 Full-service restaurant loans. Centennial Bank (AR) history says nothing on occupancy cost. Centennial Bank (AR) lists 19 loans in the Limited-service restaurant class. Centennial Bank (AR) study needs occupancy cost. 19 Limited-service restaurant loans do not settle comparable sales. Centennial Bank (AR) total of $236.1 million says nothing about any one site. Centennial Bank (AR) also has 176 loans in no tracked class. At Centennial Bank (AR), the project must carry the case. For 171 Centennial Bank (AR) loans in Florida, local evidence still decides. Centennial Bank (AR): ask directly what it needs to see. Centennial Bank (AR) shows 302 loans, not demand at any one site. Centennial Bank (AR): competing supply near the site matters most. Centennial Bank (AR) study revenue assumptions need written support. Centennial Bank (AR) request: build cost quoted, not assumed. Centennial Bank (AR) debt service needs a cautious revenue case.A site's appraised value is judged on its own evidence, not on what Centennial Bank (AR) holds. Centennial Bank (AR) study needs a downside case in writing. Centennial Bank (AR): assumptions stated, coverage tested, value supported. Centennial Bank (AR) lists 302 loans and $236.1 million in gross approvals. Centennial Bank (AR) equity belongs in the study.
Centennial Bank (AR) cancellation floors stop at FY2024 approvals. Centennial Bank (AR) totals add FY2025 and FY2026 approvals. Centennial Bank (AR) cohort: 178 loans disbursed in FY2017 to FY2021. Centennial Bank (AR) figures describe loans held, not lender practices. 302 loans cannot predict one new request to Centennial Bank (AR). Centennial Bank (AR) withheld values are never zeros or estimates.
SBA loans held by Centennial Bank (AR)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 302 |
|---|---|
| Gross dollars approved | $236.1 million |
| SBA 7(a) loans | 302 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.5% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 178 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 176 |
| Full-service restaurant | 29 |
| Limited-service restaurant | 19 |
| Child care center | 16 |
| Coffee shop and snack bar | 14 |
| Fitness center | 7 |
| Beauty salon | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-11241.
Related feasibility study pages
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