PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.88%Q2 ’245.76%Q2 ’255.86%Q2 ’26+6%+5%

Non-interest income vs. expense

2.46%Q2 ’242.36%Q2 ’252.44%Q2 ’26-2%+1%

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 1.86%, up 9 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.12% of loans (-44 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

1.86%+9 bps YoY

Net Interest Margin (quarter, annualized)

4.49%+19 bps YoY

Efficiency Ratio (quarter, annualized)

48.90%-102 bps YoY

Tier 1 Leverage Ratio

11.95%+164 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.91%1.78%1.63%1.86%+9 bps
Return on Equity16.96%17.52%15.14%13.44%15.28%-168 bps
Net Interest Margin4.30%4.45%4.38%4.40%4.49%+19 bps
Efficiency Ratio49.92%48.79%54.45%55.47%48.90%-102 bps
Non-Interest Burden1.97%1.93%2.25%2.30%1.98%+2 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 / Loans0.16%-0.03%-0.01%-0.04%0.10%-6 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