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Central Bank Little Rock, AR

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Central Bank Little Rock, AR Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank Little Rock, AR provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Central Bank Little Rock, AR rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Central Bank Little Rock, AR, and you can see how they compare in the Central Bank Little Rock, AR rate tables below. MonitorBankRates evaluates the financial stability of Central Bank Little Rock, AR with a 2.2 Star Rating, an F Overall Health Grade, and a Texas Ratio of 48.94%. Database rates last updated and verified on 09/23/2026.

Central Bank Little Rock, AR money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Bank Little Rock, AR? Share your experience about Central Bank Little Rock, AR by leaving a review below, or read customer reviews before you decide to use Central Bank Little Rock, AR.

Overall Health & Safety Grade

High Risk Health Score: 47/100

MonitorBankRates Rating

2.2

Average Out of 5.0 Stars

Texas Ratio

48.94%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Central Bank

1506 Market St
Little Rock, AR 72211

https://www.centralbankar.com

Current Rate Availability

We're not currently displaying rates for Central Bank Little Rock, AR, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Central Bank Little Rock, AR’s Texas Ratio rose from 14.57% in Q3 2023 to 48.94% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.2 and its Health Grade from A- to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$955M	48.94%	2.2	F
March 31, 2026	$938M	46.18%	2.4	F
December 31, 2025	$878M	15.67%	4.9	A-
September 30, 2025	$850M	14.79%	5.0	A-
June 30, 2025	$789M	9.54%	5.0	A
March 31, 2025	$751M	9.99%	5.0	A
December 31, 2024	$727M	8.27%	5.0	A
September 30, 2024	$674M	12.00%	5.0	A
June 30, 2024	$630M	13.23%	5.0	A
March 31, 2024	$604M	12.90%	5.0	A
December 31, 2023	$582M	13.65%	5.0	A
September 30, 2023	$541M	14.57%	5.0	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Bank Little Rock, AR is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central Bank Little Rock, AR rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Bank Little Rock, AR's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Bank Little Rock, AR

Bank Holding Company CROSS COUNTY BANCSHARES INC

Address 1506 Market St, Little Rock, AR 72211 · Pulaski

Website https://www.centralbankar.com

FDIC Certificate # 1756

Established 19120812

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 47/100

2.2

Average Out of 5.0 Stars

48.94%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0926%

Return on Equity (ROE) 11.8400%

Non-Performing Loans (NPL) 4.09%

Total Assets $954,592,000

Total Deposits $743,390,000

Equity Capital $87,670,000

Net Income $5,044,000

Headquarters Little Rock

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Central Bank Little Rock, AR

How many branches does Central Bank Little Rock, AR operate?

Central Bank Little Rock, AR currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central Bank Little Rock, AR does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Bank Little Rock, AR provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank Little Rock, AR offer online and mobile banking?

Most modern institutions like Central Bank Little Rock, AR provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralbankar.com.