BlastPoint's Banking Scorecard

Century Bank

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

Lucedale, MS

9 branches across AL · MS

2664 banks in the $100M-$1B peer group nationally 42 in 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 0.54% above tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.6% in tier
- Capital Thin: Bottom 25.5% in tier
- Credit Quality Pressure: Bottom 36.3% in tier
- ROA 0.06% below tier average
- Efficiency Ratio 1.40% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$562.2M +2.8% YoY +1.9% QoQ	+$176.2M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$380.5M +3.7% YoY +0.6% QoQ	+$124.7M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$506.6M +1.9% YoY +1.9% QoQ	+$178.7M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.21% +26.8% YoY +7.8% QoQ	-0.06%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	4.47% +11.0% YoY +3.4% QoQ	+0.54%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	66.68% -5.5% YoY -3.3% QoQ	+1.40%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.64% +30.9% YoY +2.5% QoQ	-0.25%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	75.09% +1.8% YoY -1.2% QoQ	-1.54%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	33.64% +3.8% YoY +1.6% QoQ	+11.62%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	Top 11.6% in tier
Nonperforming Asset Ratio ?	0.43% +32.0% YoY +1.2% QoQ	-0.21%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	10.08% +6.7% YoY +2.3% QoQ	-5.75%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	Bottom 10.6% in tier
Non-Interest Income / Assets ?	0.20% +3.5% YoY -74.2% QoQ	-0.08%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 13.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Credit Risk Growth

risk

#124 of 973 • Bottom 12.6% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#171 of 666 • Bottom 25.5% 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: 10.08%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#476 of 1308 • Bottom 36.3% in tier

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

Why this signature

Delinquency Rate: 0.64%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

309

Non-Interest-Bearing Deposit Share

funding

Value: 33.64%

Peer Median: 22.02%

#309 of 2664 Top 11.6% in $100M-$1B

359

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#359 of 2664 Top 13.4% in $100M-$1B

506

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.93%

#506 of 2664 Top 19.0% in $100M-$1B

522

Total Deposits

size

Value: $506.64M

Peer Median: $327.97M

#522 of 2664 Top 19.6% in $100M-$1B

591

Total Loans

size

Value: $380.45M

Peer Median: $255.72M

#591 of 2664 Top 22.1% in $100M-$1B

600

Total Assets

size

Value: $562.24M

Peer Median: $386.08M

#600 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (1 metrics)

2383

Tier 1 Capital Ratio

capital

Value: 10.08%

Peer Median: 15.83%

#2383 of 2664 Bottom 10.6% in $100M-$1B