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Century Bank
Lucedale, MS · FDIC Certificate #11448 · Chartered 06/0
Total assets
$566.20M
Total deposits
$509.19M
Total equity
$51.72M
Net loans
$389.55M
Branches (offices)
9
Net income (YTD)
$3.49M
Rank: #1,626 of 4,213 U.S. banks by assets · #22 of 57 in Mississippi. Assets changed 2.7% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 13.81% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 9.13% |
| Tier 1 leverage ratio | 10.12% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 76.5% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $339.40M | 87.1% | |
| Commercial & industrial | $33.81M | 8.7% | |
| Consumer / individual | $20.58M | 5.3% | |
| Construction & development | $45.91M | 11.8% | |
| Agricultural | $615.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $456.78M | $416.16M | $4.03M | $35.20M |
| Jun 2023 | $480.34M | $431.58M | $2.55M | $36.13M |
| Jun 2024 | $519.08M | $472.94M | $2.25M | $40.33M |
| Jun 2025 | $551.38M | $500.24M | $2.83M | $45.66M |
| Jun 2026 | $566.20M | $509.19M | $3.49M | $51.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $315.99M | 3 |
| Alabama | $193.20M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $509.19M.
Similar-sized banks
Citizens' Bank & Trust Co. ($566.43M) · Jefferson Security Bank ($566.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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