Century Bank (Lucedale, MS)
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Data as of · sourced from FFIEC call reports. How we update
Century Bank is an FDIC-insured commercial bank headquartered in Lucedale, MS, established in 1903 (FDIC certificate 11448), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $566.2M, up 2.7% from Q2 2025, the 22nd largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11448
- Headquarters
- Lucedale, MS
- Established
- 1903
- Total assets, Q2 2026
- $566.2M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 10.12%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 065303328
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank call report
- Holding company
- BANCORP OF LUCEDALE, INC.
- Asset rank in state
- 22nd of 57 in Mississippi
Century Bank, based in Lucedale, Mississippi, reported $566 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 1.15% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.51 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 16% from a year earlier, to $1.8 million. Over the same year, loans grew 7.8% and deposits grew 1.8%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.48% a year earlier.
As of June 30, 2026, Century Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 4.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Century Bank is the 22nd largest of the 57 banks headquartered in Mississippi. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $566.2M, loans rose 2.4% and deposits rose 0.5%. 1-4 family residential loans made up 32.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.4%. The FDIC Summary of Deposits lists 9 offices for it, in 6 cities across 2 states; its Lucedale 2 offices book 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, Century Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4282 Main St, Lucedale, MS 39452
- County
- George
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1903
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $509.2M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $185K
- Average total assets
- $574.9M
- Average total loans
- $389.2M
- Average interest-bearing deposits
- $525.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11448
- Fed RSSD
- 58636
- SEC CIK
- 1177448 → filed by BANCORP OF LUCEDALE, INC.
- Website
- centurybank.net →
- Parent Holding Company
- BANCORP OF LUCEDALE, INC. (RSSD 2468275)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Century Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Century Bank's total assets moved between a low of $489.0M (Q3 2023) and a high of $566.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$566.2M total assets against $551.4M; $514.5M total liabilities against $505.7M.
$389.6M net loans and leases against $360.8M; $509.2M total deposits against $500.2M.
$114.5M securities against $117.3M; $22.9M cash and balances due against $33.6M.
$7.9M total interest income against $7.6M; $2.0M total interest expense against $2.3M.
$5.9M net interest income against $5.4M.
$1.2M total noninterest income against $1.1M; $4.7M total noninterest expense against $4.3M.
$75K provision for credit losses against $90K.
$1.8M net income against $1.5M.
1.25% return on assets against 1.10%; 4.51% net interest margin against 4.16%.
10.12% tier 1 leverage ratio against 9.52%.
Inside the full Century Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentury Bank rankings
Its closest position to the top of a national ranking is 1,619 of 4,196, for total assets; its furthest is 2,473 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q1 2025) to 1.25% (Q2 2026) and its net interest margin ran from 3.92% (Q1 2025) to 4.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.12% | 1.25% | 0.60% | 4.18% | 4.51% |
| Q1 2026 | 10.08% | 1.20% | 0.63% | 4.44% | 4.44% |
| Q4 2025 | 9.85% | 1.22% | 0.61% | 4.31% | 4.49% |
| Q3 2025 | 9.74% | 1.14% | 0.52% | 3.47% | 4.22% |
| Q2 2025 | 9.52% | 1.10% | 0.48% | 3.52% | 4.16% |
| Q1 2025 | 9.45% | 0.93% | 0.48% | 3.66% | 3.92% |
| Q4 2024 | 9.41% | 1.02% | 0.52% | 4.04% | 3.96% |
| Q3 2024 | 9.55% | 1.10% | 0.74% | 5.56% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank (main office) | Lucedale , MS | 39452 | $194.1M |
| Market Place Branch | Lucedale , MS | 39452 | $66.9M |
| East Central Branch | Hurley , MS | 39555 | $55.0M |
| Mobile County Bank Branch | Grand Bay , AL | 36541 | $50.2M |
| Tillman's Corner | Mobile , AL | 36619 | $35.7M |
| Fairhope Branch | Fairhope , AL | 36532 | $35.0M |
| Spring Hill Branch | Mobile , AL | 36608 | $31.0M |
| West Moffett Commercial Park Shopping Center Branch | Semmes , AL | 36575 | $27.9M |
| Cottage Hill Road Branch | Mobile , AL | 36609 | $13.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 3, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2002 | Structure Change | Acquired Mobile County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MS, rank 38 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 55 loans originated, $29.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $10K approved, $10K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Bank
What are Century Bank's total assets?
As of the Q2 2026 filing, Century Bank reported total assets of $566.2 million in its FFIEC call report.
Where is Century Bank headquartered?
It is headquartered in Lucedale, MS, United States.
When was Century Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Century Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank?
Century Bank's primary federal regulator is the FDIC.
How many branches does Century Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank's Texas Ratio?
Its Texas Ratio is 4.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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