BlastPoint's Banking Scorecard
Century Bank
Community
Specialty: Commercial
MS
FDIC cert 11448
Lucedale, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Century Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 70% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23% in Community
- - Capital Thin: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.7M
+4.0% YoY
+0.2% QoQ
|
-$839.7M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$378.0M
+5.7% YoY
+6.2% QoQ
|
-$597.4M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$497.3M
+3.0% YoY
+0.2% QoQ
|
-$667.3M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.13%
+14.2% YoY
+3.7% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.32%
+7.3% YoY
+2.2% QoQ
|
+0.66% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
68.96%
+0.5% YoY
+1.3% QoQ
|
+6.32% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.62%
+17.3% YoY
+18.3% QoQ
|
-0.01% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
76.02%
+2.6% YoY
+6.0% QoQ
|
-7.04% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
33.11%
+2.4% YoY
-0.9% QoQ
|
+12.06% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+19.2% YoY
+25.5% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.79%
-28.8% YoY
+33.6% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#106 of 150 · Top 70% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.11%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.32%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#150 of 642 · Bottom 23% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#182 of 432 · Bottom 42% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.11% · Tier avg: 21.05%
81
81th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.66%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
70
70th pctile
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 83.06%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
29
29th pctile
Efficiency Ratio
Current: 68.96% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Total Deposits
Current: $497.3M · Tier avg: $1.2B
12
12th pctile
Total Loans
Current: $378.0M · Tier avg: $975.5M
7
7th pctile
Total Assets
Current: $551.7M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $551.7M · Tier avg: $1.4B
12
12th pctile
Total Loans
Current: $378.0M · Tier avg: $975.5M
13
13th pctile
Total Deposits
Current: $497.3M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Efficiency Ratio
Current: 68.96% · Tier avg: 62.63%
39
39th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
70
70th pctile
Loan-to-Deposit Ratio
Current: 76.02% · Tier avg: 83.06%
76
76th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
81
81th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.11% · Tier avg: 21.05%