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Century Bank

$100M-$1B Specialty: Commercial MS FDIC cert 11448

Lucedale, MS

9 branches across AL · MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits +1.8% year over year ($509.2M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 1.24%.
  • Efficiency ratio 66.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

Century Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.56% above tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.3% in tier
  • - Credit Quality Pressure: Bottom 33.6% in tier
  • - Credit Risk Growth: Bottom 34.8% in tier
  • - ROA 0.08% below tier average
  • - Efficiency Ratio 2.31% above tier average
Get updates when Century Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $566.2M
+2.7% YoY +0.7% QoQ
+$179.6M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $389.6M
+8.0% YoY +2.4% QoQ
+$131.2M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $509.2M
+1.8% YoY +0.5% QoQ
+$182.5M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.24%
+19.2% YoY +2.6% QoQ
-0.08% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 4.54%
+9.1% YoY +1.6% QoQ
+0.56% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 66.79%
-2.5% YoY +0.2% QoQ
+2.31% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.60%
+22.9% YoY -5.0% QoQ
-0.31% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 76.50%
+6.1% YoY +1.9% QoQ
-1.45% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 31.85%
-2.4% YoY -5.3% QoQ
+9.82% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
Top 14.7% in tier
Nonperforming Asset Ratio ? 0.42%
+29.3% YoY -3.4% QoQ
-0.25% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 10.12%
+6.3% YoY +0.4% QoQ
-5.79% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
Bottom 12.3% in tier
Non-Interest Income / Assets ? 0.41%
+4.4% YoY +100.1% QoQ
-0.16% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 14.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 31.8%
-0.8pp YoY
-1.8pp QoQ
 +9.7pp 22.1% 23.1% 22.2% 85%
Brokered Deposits 0.0% -7.8pp 7.9% 3.8% 8.5% 5%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 8.7%
-0.7pp YoY
-0.2pp QoQ
 -2.9pp 11.6% 12.4% 12.5% 45%
CRE 40.1%
+2.2pp YoY
+1.3pp QoQ
 +0.5pp 39.5% 42.3% 41.4% 53%
1-4 Family 32.5%
+0.5pp YoY
0.0pp QoQ
 -0.1pp 32.6% 33.1% 31.3% 56%
Consumer 5.3%
-2.3pp YoY
-0.5pp QoQ
 +1.2pp 4.1% 5.6% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 10.1%
+0.6pp YoY
0.0pp QoQ
 -2.1pp 12.2% 11.9% 12.6% 34%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 129
+5 (+4.0%) YoY
+6 (+4.9%) QoQ
 +70 58 297 482 95%
Assets per Employee ($) $4.4M
-1.3% YoY
-4.0% QoQ
 -$3.1M $7.5M $6.2M $8.8M 7%
Branch Count 9
0 YoY
0 QoQ
 +4 4 22 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 51%
Nonaccrual 0.5%
0.0pp YoY
-0.1pp QoQ
 -0.4pp 0.9% 0.9% 1.0% 53%
Allowance Coverage 2.20x
-25.8% YoY
+3.8% QoQ
 -21.96x 24.15x 4.87x 20.23x 50%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 13.8%
+0.9pp YoY
+0.3pp QoQ
 +1.6pp 12.2% 11.7% 11.6% 61%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 38%
Net Income ($, YTD) $3.5M
+23.0% YoY
— QoQ
 +$931K $2.6M $13.8M $40.4M 75%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#175 of 661 • Bottom 26.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.12%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Pressure

risk
#423 of 1256 • Bottom 33.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.60%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#327 of 936 • Bottom 34.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

379
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#379 of 2643 Top 14.3% in $100M-$1B
390
Non-Interest-Bearing Deposit Share
funding
Value: 31.85%
Peer Median: 22.03%
#390 of 2643 Top 14.7% in $100M-$1B
499
Net Interest Margin
profitability
Value: 4.54%
Peer Median: 3.99%
#499 of 2643 Top 18.8% in $100M-$1B
508
Total Deposits
size
Value: $509.19M
Peer Median: $326.73M
#508 of 2643 Top 19.2% in $100M-$1B
576
Total Loans
size
Value: $389.55M
Peer Median: $258.35M
#576 of 2643 Top 21.8% in $100M-$1B
586
Total Assets
size
Value: $566.20M
Peer Median: $386.57M
#586 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (1 metrics)

2319
Tier 1 Capital Ratio
capital
Value: 10.12%
Peer Median: 15.91%
#2319 of 2643 Bottom 12.3% in $100M-$1B
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