Ruston, LA · Cert 29700 · Century Next Financial Corp.
State savings bank · OCC · 7 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 1.8% share · #14 of 20 inst. · $0.1B of $6.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.77% | 1.78% | 1.63% | 1.75% | +6 bps | |
| Return on Equity | 16.27% | 16.68% | 16.27% | 13.44% | 14.38% | -189 bps | |
| Net Interest Margin | 4.16% | 4.28% | 4.31% | 4.40% | 4.42% | +26 bps | |
| Efficiency Ratio | 51.66% | 50.65% | 51.60% | 55.47% | 52.10% | +45 bps | |
| Non-Interest Burden | 1.99% | 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 / Loans | 0.56% | 0.22% | 0.23% | 0.16% | 0.12% | -44 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.03% | -0.04% | 0.03% | -5 bps | |
| Allowance / Loans | 1.06% | 1.09% | 1.06% | 1.07% | 1.09% | +4 bps | |
| Allowance Coverage of NPLs | 1.9x | 4.9x | 4.6x | 6.6x | 9.5x | +7.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.30% | 10.90% | 11.36% | 11.80% | 11.95% | +164 bps | |
| Total Risk-Based Capital | 10.30% | 10.90% | 11.36% | 11.80% | 11.95% | +164 bps | |
| Equity / Assets | 10.51% | 11.35% | 12.20% | 12.03% | 12.27% | +176 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.28% | 79.68% | 85.66% | 83.53% | 84.44% | +816 bps | |
| Liquid Assets / Assets | 13.95% | 9.80% | 4.71% | 8.55% | 7.64% | -631 bps | |
| CRE / Total Capital | n/a | 365% | 350% | 350% | n/a | n/a | |