Bank Comparison
Century Bank vs United Mississippi Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.08% | 10.77% |
| Equity / Assets | 8.89% | 11.15% |
Profitability
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| Return on Assets (ROA) | 1.20% | 1.13% |
| Return on Equity (ROE) | 13.55% | 10.22% |
| Net Interest Margin (NIM) | 4.44% | 4.67% |
| Yield on Earning Assets | 5.94% | 5.82% |
| Cost of Funds | 1.53% | 1.20% |
Asset quality
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| Texas Ratio | 10.55% | 4.55% |
| Non-Performing Loan Ratio | 1.44% | 0.45% |
| Non-Performing Asset Ratio | 0.99% | 0.34% |
| Net Charge-Off Ratio | 0.17% | 0.09% |
| ACL / Loans | 1.33% | 0.81% |
Balance sheet
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| Total Assets | $562,243K | $563,128K |
| Total Deposits | $506,639K | $485,049K |
| Total Loans | $385,580K | $415,180K |
| Total Equity | $49,958K | $62,800K |
| Net Income (quarter) | $1,689K | $1,590K |
Liquidity & funding
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.11% | 85.60% |
| Core Deposit Ratio | 83.80% | 94.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Century Bank | United Mississippi Bank |
|---|---|---|
| Headquarters City | LUCEDALE | NATCHEZ |
| Headquarters State | MS | MS |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 13 |
| Employees (FTE) | 123 | 140 |
| Established | June 1, 1903, midnight | May 14, 1973, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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