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Century Next Bank

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

Ruston, LA

7 branches across LA · AR

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 73 in LA.
  • Deposits -2.9% year over year ($795.3M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.75%.
  • Efficiency ratio 52.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.52% 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 73 in LA
View $100M-$1B leaderboard (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 33.5% in tier
  • + ROA 0.43% above tier average
  • + Efficiency Ratio 12.38% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 6.4% in tier
Get updates when Century Next Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $916.4M
-0.7% YoY +0.3% QoQ
+$529.8M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
Top 3.0% in tier
Total Loans ? $664.2M
+7.5% YoY +1.2% QoQ
+$405.9M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Top 3.4% in tier
Total Deposits ? $795.3M
-2.9% YoY +0.1% QoQ
+$468.6M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
Top 2.4% in tier
Return on Assets ? 1.75%
+3.6% YoY +7.5% QoQ
+0.43% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.73%
+6.5% YoY +0.7% QoQ
+0.75% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 13.3% in tier
Efficiency Ratio ? 52.10%
+0.9% YoY -6.1% QoQ
-12.38% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.12%
-79.3% YoY -28.3% QoQ
-0.80% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 83.52%
+10.7% YoY +1.1% QoQ
+5.57% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 39.31%
-14.8% YoY -1.6% QoQ
+17.28% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 5.3% in tier
Nonperforming Asset Ratio ? 0.13%
-67.8% YoY -20.5% QoQ
-0.54% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 11.95%
+15.9% YoY +1.2% QoQ
-3.96% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.20%
+10.9% YoY +129.1% QoQ
-0.36% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
50%

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 39.3%
-6.8pp YoY
-0.6pp QoQ
 +17.2pp 22.1% 24.6% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 12.1%
+0.6pp YoY
+0.4pp QoQ
 +0.6pp 11.6% 12.6% 12.5% 64%
CRE 56.6%
-1.9pp YoY
-0.4pp QoQ
 +17.1pp 39.5% 44.9% 41.4% 81%
1-4 Family 28.8%
+1.0pp YoY
+0.2pp QoQ
 -3.8pp 32.6% 34.2% 31.3% 48%
Consumer 1.7%
-0.6pp YoY
-0.1pp QoQ
 -2.4pp 4.1% 4.2% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 11.9%
+1.6pp YoY
+0.1pp QoQ
 -0.2pp 12.2% 13.4% 12.6% 64%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 119
+6 (+5.3%) YoY
+7 (+6.2%) QoQ
 +60 58 114 482 92%
Assets per Employee ($) $7.7M
-5.8% YoY
-5.6% QoQ
 +$182K $7.5M $6.8M $8.8M 64%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.4% 0.4% 23%
Nonaccrual 0.1%
-0.5pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 1.4% 1.0% 18%
Allowance Coverage 9.47x
+400.2% YoY
+43.1% QoQ
 -14.69x 24.15x 27.36x 20.23x 81%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 14.4%
-1.9pp YoY
+0.9pp QoQ
 +2.2pp 12.2% 12.5% 11.6% 64%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 34%
Net Income ($, YTD) $7.9M
+3.7% YoY
— QoQ
 +$5.3M $2.6M $5.1M $40.4M 97%

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
#94 of 278 • Top 33.5% 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: 39.31%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.73%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Deposit Outflow

decline
#35 of 535 • Bottom 6.4% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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 (7 metrics)

65
Total Deposits
size
Value: $795.32M
Peer Median: $326.73M
#65 of 2643 Top 2.4% in $100M-$1B
81
Total Assets
size
Value: $916.38M
Peer Median: $386.57M
#81 of 2643 Top 3.0% in $100M-$1B
92
Total Loans
size
Value: $664.23M
Peer Median: $258.35M
#92 of 2643 Top 3.4% in $100M-$1B
142
Non-Interest-Bearing Deposit Share
funding
Value: 39.31%
Peer Median: 22.03%
#142 of 2643 Top 5.3% in $100M-$1B
353
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#353 of 2643 Top 13.3% in $100M-$1B
555
Efficiency Ratio
profitability
Value: 52.10%
Peer Median: 64.48%
#555 of 2643 Top 21.0% in $100M-$1B
587
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#587 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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