Century Next Bank
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Data as of · sourced from FFIEC call reports. How we update
Century Next Bank is an FDIC-insured savings institution headquartered in Ruston, LA, established in 1905 (FDIC certificate 29700), and it is supervised by the OCC. At Q2 2026 it reported total assets of $916.4M, down 0.7% from Q2 2025, the 22nd largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29700
- Headquarters
- Ruston, LA
- Established
- 1905
- Total assets, Q2 2026
- $916.4M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 311170250
- Latest call report
- Q2 2026, FFIEC 051 · Century Next Bank call report
- Holding company
- CENTURY NEXT FINANCIAL CORPORATION
- Asset rank in state
- 22nd of 102 in Louisiana
Century Next Bank, based in Ruston, Louisiana, reported $916 million in assets at June 30, 2026. It lost 2.9% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 7.5% and deposits fell 2.9%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.12% of loans from 0.56%.
As of June 30, 2026, Century Next Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Century Next Bank is the 22nd largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $916.4M, loans rose 1.2% and deposits rose 0.1%. Non-owner-occupied commercial real estate loans made up 30.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.5%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Ruston 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Century Next Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 505 N Vienna St, Ruston, LA 71270
- County
- Lincoln
- Metro Area
- Ruston, LA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Former names
- Bank of Ruston (2005-2019)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 119
- Domestic deposits
- $795.3M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $919.3M
- Average total loans
- $667.5M
- Average interest-bearing deposits
- $481.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29700
- Fed RSSD
- 345877
- SEC CIK
- 1493006 → filed by CENTURY NEXT FINANCIAL CORPORATION
- Website
- www.cnext.bank →
- Parent Holding Company
- CENTURY NEXT FINANCIAL CORPORATION (RSSD 4211831)
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 Next Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Century Next Bank's total assets ranged from $716.0M (Q3 2023) to $923.3M (Q2 2025), 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
$916.4M total assets against $923.3M; $803.9M total liabilities against $826.2M.
$664.2M net loans and leases against $618.0M; $795.3M total deposits against $818.8M.
$139.8M securities against $136.0M; $71.8M cash and balances due against $130.8M.
$13.5M total interest income against $13.2M; $3.2M total interest expense against $3.4M.
$10.3M net interest income against $9.8M.
$1.0M total noninterest income against $915K; $5.6M total noninterest expense against $5.4M.
$438K provision for credit losses against $223K.
$4.2M net income against $4.1M.
1.85% return on assets against 1.76%; 4.70% net interest margin against 4.45%.
11.95% tier 1 leverage ratio against 10.30%.
Inside the full Century Next Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Century Next Bank rankings
Its closest position to the top of a national ranking is 671 of 3,611, for ROA; its furthest is 2,684 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.51% (Q3 2024) to 1.92% (Q3 2025) and its net interest margin ran from 4.27% (Q1 2025) to 4.70% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 1.85% | 0.12% | 0.99% | 4.70% |
| Q1 2026 | 11.80% | 1.60% | 0.16% | 1.27% | 4.59% |
| Q4 2025 | 11.36% | 1.74% | 0.23% | 4.14% | 4.53% |
| Q3 2025 | 10.90% | 1.92% | 0.22% | 4.12% | 4.59% |
| Q2 2025 | 10.30% | 1.76% | 0.56% | 3.59% | 4.45% |
| Q1 2025 | 10.26% | 1.59% | 0.58% | 3.85% | 4.27% |
| Q4 2024 | 10.20% | 1.62% | 0.63% | 4.29% | 4.32% |
| Q3 2024 | 10.12% | 1.51% | 0.92% | 6.31% | 4.29% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 Next Bank (main office) | Ruston , LA | 71270 | $506.6M |
| Crossett Branch | Crossett , AR | 71635 | $115.9M |
| Tower Drive Branch | Monroe , LA | 71201 | $65.4M |
| West Monroe Branch | West Monroe , LA | 71291 | $45.2M |
| Hamburg Branch | Hamburg , AR | 71646 | $32.4M |
| Farmerville Highway Branch | Ruston , LA | 71270 | $26.1M |
| North Crossett Branch | Crossett , AR | 71635 | $3.7M |
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 |
|---|---|---|---|
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired First National Bank of Crossett 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.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- October 15, 1991, OCC (former OTS): Supervisory Agreement: Ruston Building and Loan Association
- Period: Most recent institution action October 15, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in LA, rank 30 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 195 applications, 178 loans originated, $67.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $216K approved, $216K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Next Bank
What are Century Next Bank's total assets?
As of the Q2 2026 filing, Century Next Bank reported total assets of $916.4 million in its FFIEC call report.
Where is Century Next Bank headquartered?
It is headquartered in Ruston, LA, United States.
When was Century Next Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Century Next Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Next Bank?
Century Next Bank's primary federal regulator is the OCC.
How many branches does Century Next Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Next Bank's Texas Ratio?
Its Texas Ratio is 0.99% 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.
What was Century Next Bank previously called?
The charter now named Century Next Bank has also operated as Bank of Ruston (2005-2019), per FDIC structure-change records.
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