Century Next Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Century Next Bank is the primary bank subsidiary of its parent holding company, headquartered in Ruston, LA. On its most recent Q2 2026 call report, Century Next reported $916M in total assets against $795M in deposits. Returns are notably above industry norms: 1.85% ROA, 15.28% ROE, and 4.70% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.95% exceeds the CBLR threshold. Asset quality is pristine, 0.10% NPLs and a 0.99% Texas Ratio. 7 branches make up the footprint.
As of June 30, 2026, Century Next Bank reported a Tier 1 leverage ratio of 11.95%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.10%, a Texas ratio of 0.99%, per financial data filed with the FFIEC.
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)
- Offices
- 7 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Century Next Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Century Next 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 1.85% | 0.10% | 0.99% | 4.70% |
| Q1 2026 | 11.80% | 1.60% | 0.16% | 1.27% | 4.59% |
| Q4 2025 | 11.36% | 1.74% | 0.17% | 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% | 0.57% | 3.85% | 4.27% |
| Q4 2024 | 10.20% | 1.62% | 0.61% | 4.29% | 4.32% |
| Q3 2024 | 10.12% | 1.51% | 0.90% | 6.31% | 4.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Century Next Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Century Next Bank headquartered?
Century Next Bank is headquartered in Ruston, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Century Next Bank founded?
Century Next Bank was established in 1905, per the FDIC institution directory.
Is Century Next Bank FDIC-insured?
Yes. Century Next Bank is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Century Next Bank operate?
Century Next Bank 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?
Century Next Bank's Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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