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
Unfavorable gap of $13.9M · efficiency ratio beats 40% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.82% | 1.19% | 1.46% | Beats 56% | 41 / 94 | | |
| Return on Equity | 13.48% | 7.85% | 11.84% | 14.03% | Beats 70% | 28 / 94 | | |
| Net Interest Margin | 4.03% | 3.42% | 3.81% | 4.18% | Beats 68% | 30 / 94 | | |
| Efficiency Ratio | 66.79% | 55.99% | 62.41% | 73.02% | Beats 40% | 57 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.19% | 0.47% | 1.14% | Beats 44% | 54 / 94 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.05% | Beats 21% | 75 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 10.28% | 11.95% | 15.07% | Beats 21% | 74 / 94 | | |
| Total Risk-Based Capital Ratio | 10.12% | 10.31% | 12.59% | 15.88% | Beats 19% | 76 / 94 | | |
| Equity / Assets | 9.13% | 8.98% | 10.21% | 11.41% | Beats 27% | 69 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.52% | 72.62% | 84.44% | 94.55% | 36th pctl | 60 / 94 | | |
| Loans / Assets | 69.71% | 62.50% | 72.84% | 78.99% | 40th pctl | 56 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |