BlastPoint's Banking Scorecard

Century Next Bank

$100M-$1B Specialty: Commercial LA FDIC cert 29700

Ruston, LA

7 branches across LA · AR

2664 banks in the $100M-$1B peer group nationally 74 in LA

Century Next Bank has 4 strengths but faces 1 concern

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

+ Deposit Franchise: Top 28.3% in tier
+ ROA 0.36% above tier average
+ Efficiency Ratio 9.81% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 6.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$913.3M +0.4% YoY +4.2% QoQ	+$527.2M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 3.3% in tier
Total Loans ?	$656.5M +6.5% YoY +1.8% QoQ	+$400.7M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Top 4.0% in tier
Total Deposits ?	$794.4M -1.6% YoY +4.4% QoQ	+$466.4M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 2.6% in tier
Return on Assets ?	1.63% +1.8% YoY -8.5% QoQ	+0.36%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.70% +8.0% YoY +2.4% QoQ	+0.77%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 13.0% in tier
Efficiency Ratio ?	55.47% +3.6% YoY +7.5% QoQ	-9.81%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.16% -72.4% YoY -30.0% QoQ	-0.72%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	82.64% +8.3% YoY -2.5% QoQ	+6.00%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	39.96% -11.0% YoY -2.8% QoQ	+17.94%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 4.7% in tier
Nonperforming Asset Ratio ?	0.16% -61.7% YoY -69.7% QoQ	-0.48%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	11.80% +15.0% YoY +3.9% QoQ	-4.03%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.09% +4.2% YoY -78.7% QoQ	-0.19%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	45%

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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 (1)

Deposit Franchise

growth

#78 of 272 • Top 28.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.96%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.70%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#35 of 506 • Bottom 6.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 (5 metrics)

Total Deposits

size

Value: $794.38M

Peer Median: $327.97M

#69 of 2664 Top 2.6% in $100M-$1B

Total Assets

size

Value: $913.28M

Peer Median: $386.08M

#88 of 2664 Top 3.3% in $100M-$1B

107

Total Loans

size

Value: $656.46M

Peer Median: $255.72M

#107 of 2664 Top 4.0% in $100M-$1B

125

Non-Interest-Bearing Deposit Share

funding

Value: 39.96%

Peer Median: 22.02%

#125 of 2664 Top 4.7% in $100M-$1B

348

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#348 of 2664 Top 13.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available