Century Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank of Lucedale, MS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.25% | +0.00% | 48th below |
| ROAE | 14.14% | 12.22% | +1.92% | 61st above |
| Net Interest Margin | 4.51% | 3.95% | +0.56% | 79th top |
| Efficiency Ratio | 66.49% | 63.71% | +2.78% | 35th below |
| PPNR / Avg Assets | 1.63% | — | — | 52nd above |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds | 1.15% | 1.87% | -0.72% | 87th top |
| Net Interest Spread | 3.69% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.88% | -0.28% | 42nd below |
| NPA / Total Assets | 0.42% | — | — | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 32nd below |
| ACL / Total Loans | 1.31% | — | — | 64th above |
| ACL / NPLs (Coverage) | 219.74% | — | — | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.18% | 5.96% | -1.78% | 40th below |
| Provision / NCO | 312.50% | — | — | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.12% | 11.75% | -1.63% | 34th below |
| Equity / Assets | 9.13% | 10.98% | -1.85% | 29th below |
| TCE / Tangible Assets | 9.05% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.52% | 80.44% | -2.92% | 57th above |
| Core Deposit Ratio | 83.96% | 86.95% | -2.99% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.69% | — | — | 36th below |
| Loan Growth (Y/Y) | 7.84% | — | — | 63rd above |
| Deposit Growth (Y/Y) | 1.79% | — | — | 33rd below |
See Century Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Century Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Century Bank peer analysis.