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
Unfavorable gap of $19.6M · efficiency ratio beats 88% 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 | 1.72% | 0.82% | 1.19% | 1.46% | Beats 93% | 7 / 94 | | |
| Return on Equity | 14.03% | 7.85% | 11.84% | 14.03% | Beats 74% | 24 / 94 | | |
| Net Interest Margin | 4.42% | 3.42% | 3.81% | 4.18% | Beats 86% | 13 / 94 | | |
| Efficiency Ratio | 52.66% | 55.99% | 62.41% | 73.02% | Beats 88% | 12 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.19% | 0.47% | 1.14% | Beats 80% | 20 / 94 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.05% | Beats 40% | 57 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 11.95% | 10.28% | 11.95% | 15.07% | Beats 50% | 47 / 94 | | |
| Total Risk-Based Capital Ratio | 11.95% | 10.31% | 12.59% | 15.88% | Beats 47% | 50 / 94 | | |
| Equity / Assets | 12.27% | 8.98% | 10.21% | 11.41% | Beats 86% | 13 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.44% | 72.62% | 84.44% | 94.55% | 50th pctl | 47 / 94 | | |
| Loans / Assets | 73.29% | 62.50% | 72.84% | 78.99% | 54th pctl | 43 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |