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Century Next Bank

Ruston, LA · Cert 29700 · Century Next Financial Corp.

State savings bank · OCC · 7 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

88

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 Next Bank

Ruston, LA · Cert 29700 · Century Next Financial Corp.

State savings bank · OCC · 7 branches

Q2 2026

$916.4MAssets
$671.6MLoans
$795.3MDeposits
$112.5MEquity
Loan mix
87%RE $573.3M12%C&I $77.0M2%Consumer $11.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $482.7M39%Noninterest $312.7MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.63%Q2 ’255.77%Q2 ’26+6%+6%

Non-interest income vs. expense

2.48%Q2 ’242.36%Q2 ’252.53%Q2 ’26-3%+7%

Market Position · Monroe, LA · 2026 SOD (annual) · 1.8% share · #14 of 20 inst. · $0.1B of $6.2B

22.5% Lincoln
42.8% Ashley
2.5% Ouachita

Executive Summary

  • Earnings: ROA of 1.75%, up 6 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.12% of loans (-44 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.95%, up 164 bps from a year ago.
  • Funding: loans stand at 84.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+26 bps YoY

Efficiency Ratio (YTD, annualized)

52.10%+45 bps YoY

Tier 1 Leverage Ratio

11.95%+164 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.77%1.78%1.63%1.75%+6 bps
Return on Equity16.27%16.68%16.27%13.44%14.38%-189 bps
Net Interest Margin4.16%4.28%4.31%4.40%4.42%+26 bps
Efficiency Ratio51.66%50.65%51.60%55.47%52.10%+45 bps
Non-Interest Burden1.99%1.98%2.05%2.30%2.13%+14 bps
Growth
Asset Growth (YoY)11.08%5.43%0.87%0.43%-0.75%-1,183 bps
Loan Growth (YoY)4.70%5.75%6.51%6.53%7.53%+282 bps
Deposit Growth (YoY)10.40%4.03%-1.48%-1.62%-2.86%-1,326 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.22%0.23%0.16%0.12%-44 bps
Net Charge-Offs / Loans0.07%0.04%0.03%-0.04%0.03%-5 bps
Allowance / Loans1.06%1.09%1.06%1.07%1.09%+4 bps
Allowance Coverage of NPLs1.9x4.9x4.6x6.6x9.5x+7.6x
Capital
Tier 1 Leverage Ratio10.30%10.90%11.36%11.80%11.95%+164 bps
Total Risk-Based Capital10.30%10.90%11.36%11.80%11.95%+164 bps
Equity / Assets10.51%11.35%12.20%12.03%12.27%+176 bps
Liquidity & Funding
Loans / Deposits76.28%79.68%85.66%83.53%84.44%+816 bps
Liquid Assets / Assets13.95%9.80%4.71%8.55%7.64%-631 bps
CRE / Total Capitaln/a365%350%350%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 Next Bank

Ruston, LA · Cert 29700 · Peer group: banks under $1B in assets operating regionally (n=94) · Century Next Financial Corp.

State savings bank · OCC · 7 branches

Q2 2026

$916.4MAssets
$671.6MLoans
$795.3MDeposits
$112.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 93% of banks under $1B in assets operating regionally (rank 7 of 94).
  • Widest gap: net charge-offs / loans trails 60% of banks under $1B in assets operating regionally (rank 57 of 94).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.72%

Rank 7 of 94

Net Interest Margin

4.42%

Rank 13 of 94

Efficiency Ratio

52.66%

Rank 12 of 94

Equity / Assets

12.27%

Rank 13 of 94

Non-interest income vs. expense

$3.7M$23.3MINCOMEEXPENSE
Unfavorable gap of $19.6M · efficiency ratio beats 88% of banks under $1B in assets operating regionally
Bank 52.66%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.72%0.82%1.19%1.46%Beats 93%7 / 94
Return on Equity14.03%7.85%11.84%14.03%Beats 74%24 / 94
Net Interest Margin4.42%3.42%3.81%4.18%Beats 86%13 / 94
Efficiency Ratio52.66%55.99%62.41%73.02%Beats 88%12 / 94
Asset Quality
Nonperforming Loans / Loans0.12%0.19%0.47%1.14%Beats 80%20 / 94
Net Charge-Offs / Loans0.03%0.00%0.02%0.05%Beats 40%57 / 94
Capital
Tier 1 Capital Ratio11.95%10.28%11.95%15.07%Beats 50%47 / 94
Total Risk-Based Capital Ratio11.95%10.31%12.59%15.88%Beats 47%50 / 94
Equity / Assets12.27%8.98%10.21%11.41%Beats 86%13 / 94
Liquidity & Funding
Loans / Deposits84.44%72.62%84.44%94.55%50th pctl47 / 94
Loans / Assets73.29%62.50%72.84%78.99%54th pctl43 / 94
Brokered Deposits / Depositsn/aNot reported for this institution