Century Next Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Next Bank of Ruston, LA against its peer group of 2603 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 | 1.85% | 1.34% | +0.51% | 80th top |
| ROAE | 15.28% | 13.32% | +1.96% | 67th above |
| Net Interest Margin | 4.70% | 3.93% | +0.77% | 86th top |
| Efficiency Ratio | 48.84% | 61.14% | -12.30% | 83rd top |
| PPNR / Avg Assets | 2.49% | 1.68% | +0.81% | 89th top |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 19th bottom |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 38th below |
| ACL / NPLs (Coverage) | 1104.66% | 1546.55% | -441.89% | — |
| Texas Ratio | 0.99% | 7.34% | -6.35% | 73rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 557.61% | 1396.00% | -838.39% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.14% | -0.19% | 65th above |
| Equity / Assets | 12.27% | 11.36% | +0.91% | 73rd above |
| TCE / Tangible Assets | 12.00% | 11.08% | +0.92% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.44% | 80.66% | +3.78% | 42nd below |
| Core Deposit Ratio | 98.34% | 86.84% | +11.50% | 97th top |
| Wholesale Funding Ratio | 0.02% | 5.04% | -5.02% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.75% | 6.85% | -7.60% | 15th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.53% | 7.92% | -0.39% | 63rd above |
| Deposit Growth (Y/Y) | -2.86% | 6.30% | -9.16% | 11th bottom |
See Century Next Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Next 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 Next Bank profile, how to read a UBPR, or how this data updates.