CENTURY NEXT BANK

RUSTON, LA | Medium | Est. Jan. 1, 1905, midnight | FDIC #29700 | RSSD #345877 | OCC
Latest Report: 2025-12-31

CENTURY NEXT BANK is amn medium FDIC-insured commercial bank headquartered in RUSTON, LA, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $877M and total deposits of $761M. Profitability stands at 1.78% ROA and 15.14% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 11.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 3.70%. FDIC Certificate #29700.

Assets

$877M

Deposits

$761M

Loans

$652M

Equity

$107M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 15.14%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.45%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.70%
NPA Ratio 0.48%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 11.68%
Tier 1 Capital 11.68%
Total Capital Ratio 12.26%
Leverage Ratio 11.36%
Loan-to-Deposit 85.66%

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