Skip navigation

Bank with Strength

Cattle walking across Fort Worth

A strong financial partner in an uncertain economy is paramount to success.

Since we were founded in 1908, we have worked to bring our customers and the communities they live in the type of commitment and care that exceeds expectations. Through our involvement with and support of local charities, we are more connected and better able to meet customers’ needs – particularly as we compete with large regional and national banks. Happy State Bank provides a broad range of commercial and retail banking and related financial services to businesses, investors, individuals and municipalities.

Farmer and business man shaking hands

What "Member FDIC" Means to You

Member FDIC (Federal Deposit Insurance Corporation) is a federal agency insuring accounts up to $250,000 per depositor per FDIC-insured bank. Keeping your money at an FDIC insured institution like Centennial Bank is one of if not the safest places to keep your money.

Read About FDIC Coverage

Can we cover "uninsured" FDIC Deposits?

The strength of Home BancShares’ liquidity and availability provides more than 100% coverage for all uninsured and uncollateralized depositors as of March 31, 2023,” stated John Allison, Chairman and CEO of HOMB. “The strong liquidity of HOMB would have allowed HOMB to pay all uninsured and uncollateralized deposits in excess of the FDIC limits of $250,000 and still have $1.7 billion remaining.

Read 2023 Q1 Earnings Report

Explore our Products & Services

Why You Should Make The Switch

We’re local! Ask us why we would be right for you!

Instant Issue Debit Cards

Never go without a card.

Access to financial education

No matter what stage in life you’re in, is made easy through our partnership with GreenPath Financial Wellness

Be a member of our Diamond Club!

If you love to travel, you will find a unique value in this opportunity to see local and popular U.S. attractions, as well as locations around the world.

Homebuying Assistance

Find out the pros and cons of refinancing home loans, what mortgage loan is right for you, and more.

Financial Strength

Without our customers and community, we would not have reached these heights. Help us write the next chapter together.
3 people building house