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Century Bank

Lucedale, MS · Cert 11448 · Bancorp of Lucedale Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century Bank

Lucedale, MS · Cert 11448 · Bancorp of Lucedale Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$566.2MAssets
$394.7MLoans
$509.2MDeposits
$51.7MEquity
Loan mix
85%RE $328.9M9%C&I $33.8M6%Consumer $22.0MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $347.0M32%Noninterest $162.2MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.27%Q2 ’255.39%Q2 ’26+4%+10%

Non-interest income vs. expense

3.39%Q2 ’243.02%Q2 ’253.22%Q2 ’26+12%+7%

Market Position · Mobile, AL · 2026 SOD (annual) · 1.5% share · #12 of 25 inst. · $0.2B of $10.6B

59.4% George
1.5% Mobile
2.1% Jackson
0.5% Baldwin

Executive Summary

  • Earnings: ROA of 1.24%, up 20 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.60% of loans (+11 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.12%, up 60 bps from a year ago.
  • Funding: loans stand at 77.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+38 bps YoY

Efficiency Ratio (YTD, annualized)

66.79%-174 bps YoY

Tier 1 Leverage Ratio

10.12%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.09%1.13%1.21%1.24%+20 bps
Return on Equity12.95%13.12%13.36%13.55%13.81%+87 bps
Net Interest Margin3.65%3.72%3.83%4.05%4.03%+38 bps
Efficiency Ratio68.53%68.09%68.96%66.68%66.79%-174 bps
Non-Interest Burden2.26%2.28%2.40%2.42%2.42%+16 bps
Growth
Asset Growth (YoY)6.22%4.13%4.03%2.84%2.69%-353 bps
Loan Growth (YoY)-0.87%-2.66%5.62%3.66%7.84%+872 bps
Deposit Growth (YoY)5.77%3.70%3.00%1.87%1.79%-398 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.52%0.61%0.63%0.60%+11 bps
Net Charge-Offs / Loans0.08%0.08%0.09%0.17%0.09%+2 bps
Allowance / Loans1.44%1.45%1.36%1.33%1.31%-12 bps
Allowance Coverage of NPLs3.0x2.8x2.2x2.1x2.2x-0.8x
Capital
Tier 1 Leverage Ratio9.52%9.74%9.85%10.08%10.12%+60 bps
Total Risk-Based Capital9.52%9.74%9.85%10.08%10.12%+60 bps
Equity / Assets8.28%8.90%9.01%8.89%9.13%+85 bps
Liquidity & Funding
Loans / Deposits73.17%72.76%77.07%76.11%77.52%+435 bps
Liquid Assets / Assets4.40%4.42%0.42%3.47%1.71%-269 bps
CRE / Total Capitaln/a238%263%261%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Century Bank

Lucedale, MS · Cert 11448 · Peer group: banks under $1B in assets operating regionally (n=94) · Bancorp of Lucedale Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$566.2MAssets
$394.7MLoans
$509.2MDeposits
$51.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks under $1B in assets operating regionally (rank 28 of 94).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets operating regionally (rank 76 of 94).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.23%

Rank 41 of 94

Net Interest Margin

4.03%

Rank 30 of 94

Efficiency Ratio

66.79%

Rank 57 of 94

Equity / Assets

9.13%

Rank 69 of 94

Non-interest income vs. expense

$4.6M$18.5MINCOMEEXPENSE
Unfavorable gap of $13.9M · efficiency ratio beats 40% of banks under $1B in assets operating regionally
Bank 66.79%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.82%1.19%1.46%Beats 56%41 / 94
Return on Equity13.48%7.85%11.84%14.03%Beats 70%28 / 94
Net Interest Margin4.03%3.42%3.81%4.18%Beats 68%30 / 94
Efficiency Ratio66.79%55.99%62.41%73.02%Beats 40%57 / 94
Asset Quality
Nonperforming Loans / Loans0.60%0.19%0.47%1.14%Beats 44%54 / 94
Net Charge-Offs / Loans0.06%0.00%0.02%0.05%Beats 21%75 / 94
Capital
Tier 1 Capital Ratio10.12%10.28%11.95%15.07%Beats 21%74 / 94
Total Risk-Based Capital Ratio10.12%10.31%12.59%15.88%Beats 19%76 / 94
Equity / Assets9.13%8.98%10.21%11.41%Beats 27%69 / 94
Liquidity & Funding
Loans / Deposits77.52%72.62%84.44%94.55%36th pctl60 / 94
Loans / Assets69.71%62.50%72.84%78.99%40th pctl56 / 94
Brokered Deposits / Depositsn/aNot reported for this institution