BlastPoint's Banking Scorecard
Century Next Bank
Community
Specialty: Commercial
LA
FDIC cert 29700
Ruston, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Century Next Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19% in Community
- + Profitability Leader: Top 49% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$876.5M
+0.9% YoY
-3.0% QoQ
|
-$514.9M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$644.9M
+6.5% YoY
+3.2% QoQ
|
-$330.6M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$760.9M
-1.5% YoY
-4.0% QoQ
|
-$403.7M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.78%
+15.8% YoY
+0.4% QoQ
|
+0.61% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.59%
+6.6% YoY
+1.3% QoQ
|
+0.93% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
51.60%
-7.4% YoY
+1.9% QoQ
|
-11.03% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.23%
-63.4% YoY
+3.7% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
84.75%
+8.1% YoY
+7.5% QoQ
|
+1.69% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
41.09%
+0.3% YoY
-6.6% QoQ
|
+20.05% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+14.5% YoY
+7.8% QoQ
|
+0.03% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.41%
+6.0% YoY
+32.3% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#29 of 150 · Top 19% 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:
41.09%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.59%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#184 of 371 · Top 49% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.78%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (1)
Capital Thin
risk
#87 of 432 · Bottom 20% 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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.09% · Tier avg: 21.05%
89
89th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.66%
86
86th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.60% · Tier avg: 62.63%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.75% · Tier avg: 83.06%
45
45th pctile
Total Loans
Current: $644.9M · Tier avg: $975.5M
43
43th pctile
Total Deposits
Current: $760.9M · Tier avg: $1.2B
41
41th pctile
Total Assets
Current: $876.5M · Tier avg: $1.4B
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
41
41th pctile
Total Assets
Current: $876.5M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $760.9M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $644.9M · Tier avg: $975.5M
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.75% · Tier avg: 83.06%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
81
81th pctile
Efficiency Ratio
Current: 51.60% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.16%
89
89th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.66%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.09% · Tier avg: 21.05%