Century Next Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 443.02 percentage points higher than in Q1 2026, at 1104.66%. Within Louisiana, Century Next Bank is 15th of 103 on return on assets, 1.85% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Century Next Bank sits 0.59 points higher, at 1.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 12.27% |
| Tangible equity to tangible assets | 12.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 1104.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 15.28% |
| Net interest margin | 4.70% |
| Efficiency ratio | 48.84% |
| Yield on earning assets | 6.15% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.44% |
| Core deposits to total deposits | 98.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.79% |
| Securities to assets | 15.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.48% | 1.15% | 3.96% | 0.44% | 0.03% |
| Q4 2023 | 10.27% | 1.26% | 4.00% | 0.41% | -0.01% |
| Q1 2024 | 10.24% | 1.43% | 4.14% | 0.41% | -0.01% |
| Q2 2024 | 9.93% | 1.57% | 4.23% | 0.52% | -0.01% |
| Q3 2024 | 10.12% | 1.51% | 4.29% | 0.90% | -0.02% |
| Q4 2024 | 10.20% | 1.62% | 4.32% | 0.61% | 0.00% |
| Q1 2025 | 10.26% | 1.59% | 4.27% | 0.57% | -0.01% |
| Q2 2025 | 10.30% | 1.76% | 4.45% | 0.56% | 0.16% |
| Q3 2025 | 10.90% | 1.92% | 4.59% | 0.22% | -0.03% |
| Q4 2025 | 11.36% | 1.74% | 4.53% | 0.17% | -0.01% |
| Q1 2026 | 11.80% | 1.60% | 4.59% | 0.16% | -0.04% |
| Q2 2026 | 11.95% | 1.85% | 4.70% | 0.10% | 0.10% |
Century Next Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Next Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Next Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29700) · FFIEC NIC profile (RSSD 345877)