Richton, MS · Cert 11817 · Centon Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
100
Profitability
29
Liquidity
9
Efficiency
15
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.
Richton, MS · Cert 11817 · Centon Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Hattiesburg, MS · 2026 SOD (annual) · 1.0% share · #15 of 20 inst. · $0.0B of $4.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.39% | 0.52% | 0.56% | 0.69% | 0.66% | 0.57% | 0.62% | +6 bps | |
| Return on Equity | 2.16% | 2.87% | 3.73% | 3.96% | 4.70% | 4.47% | 3.76% | 4.05% | +9 bps | |
| Net Interest Margin | 3.27% | 3.32% | 3.41% | 3.53% | 3.71% | 3.67% | 3.58% | 3.70% | +16 bps | |
| Efficiency Ratio | 90.18% | 87.41% | 83.77% | 82.81% | 79.95% | 80.30% | 82.73% | 81.75% | -105 bps | |
| Non-Interest Burden | 2.90% | 2.83% | 2.75% | 2.82% | 2.83% | 2.83% | 2.86% | 2.91% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | -1.55% | 1.47% | -0.35% | -1.80% | -1.33% | 3.15% | 2.36% | +271 bps | |
| Loan Growth (YoY) | -9.77% | -12.25% | -14.87% | -7.36% | 2.82% | 5.16% | 8.19% | 6.43% | +1,379 bps | |
| Deposit Growth (YoY) | -4.89% | -2.55% | 0.07% | -2.44% | -3.70% | -3.97% | 2.24% | 1.63% | +407 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.70% | 3.92% | 4.13% | 3.94% | 3.60% | 3.73% | 3.82% | 3.71% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 17.1x | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.17% | 16.21% | 15.95% | 16.31% | 16.88% | 16.92% | 15.70% | 16.19% | -11 bps | |
| Total Risk-Based Capital | 16.17% | 16.21% | 15.95% | 16.31% | 16.88% | 16.92% | 15.70% | 16.19% | -11 bps | |
| Equity / Assets | 14.29% | 13.82% | 14.06% | 14.85% | 15.60% | 15.86% | 14.73% | 15.62% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.83% | 45.34% | 43.12% | 47.01% | 52.13% | 49.65% | 45.63% | 49.23% | +222 bps | |
| Liquid Assets / Assets | 12.01% | 16.34% | 15.02% | 7.16% | 6.64% | 9.03% | 16.20% | 13.30% | +614 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.13% | 66.10% | 68.21% | n/a | n/a | |
Richton, MS · Cert 11817 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Centon Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
0.63%
Rank 593 of 746
Net Interest Margin
3.70%
Rank 363 of 746
Efficiency Ratio
81.75%
Rank 637 of 746
Equity / Assets
15.62%
Rank 85 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.72% | 1.06% | 1.45% | Beats 21% | 593 / 746 | ||
| Return on Equity | 4.02% | 6.74% | 10.51% | 13.63% | Beats 14% | 640 / 746 | ||
| Net Interest Margin | 3.70% | 3.17% | 3.68% | 4.16% | Beats 51% | 363 / 746 | ||
| Efficiency Ratio | 81.75% | 55.74% | 64.58% | 75.47% | Beats 15% | 637 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.19% | 11.55% | 13.75% | 17.60% | Beats 69% | 231 / 746 | ||
| Total Risk-Based Capital Ratio | 16.19% | 11.71% | 14.33% | 18.43% | Beats 64% | 265 / 746 | ||
| Equity / Assets | 15.62% | 8.90% | 10.51% | 13.06% | Beats 89% | 85 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.23% | 61.31% | 78.27% | 90.78% | 12th pctl | 654 / 746 | ||
| Loans / Assets | 40.81% | 53.60% | 66.97% | 76.08% | 11th pctl | 667 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||