Century Next Bank
Ruston, Louisiana · FDIC Cert #29700
This is the FDIC profile for Century Next Bank, an FDIC-insured bank (Certificate #29700) with $831M in total assets and $742M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Ruston, Louisiana, the bank maintains a Tier 1 capital ratio of 9.93% (Well-Capitalized) and a nonperforming loan ratio of 0.52%. BankHealthData assigns a composite Health Grade of B (77/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Century Next Bank (FDIC cert 29700) is a community bank — $831M in total assets, $742M in deposits, serving the Ruston, Louisiana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.93% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.52% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.87% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Century Next Bank carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Century Next Bank
- Total Assets
- $831M
- Total Deposits
- $742M
- Tier 1 Capital Ratio
- 9.93%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.52%
- Liquidity Ratio
- 24.30%
- Return on Assets
- 1.87%
- Headquarters
- Ruston, Louisiana
- FDIC Certificate
- #29700
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Century Next Bank files quarterly Call Reports with the FDIC under Certificate #29700. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Century Next Bank holds a Tier 1 capital ratio of 9.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Century Next Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Century Next Bank shows strong financial health indicators. With $831M in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Century Next Bank Compares
Century Next Bank’s Health Score of 77 is 0 points above the Louisiana state average of 77 across 93 FDIC-insured banks. Its 9.93% Tier 1 capital ratio is 4.1 points below the US banking industry average near 14%. The 0.52% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.87% is in line with or above the national ROA benchmark of ~1.1%. Among 1150 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Century Next Bank is 3 points below the portfolio average of 80.
Frequently Asked Questions
Century Next Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Century Next Bank's Tier 1 capital ratio of 9.93% and nonperforming loan ratio of 0.52% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Century Next Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29700). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Century Next Bank holds $831M in total assets and $742M in total deposits. It is headquartered in Ruston, Louisiana (FDIC Certificate #29700).
Century Next Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #29700 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Century Next Bank has a Tier 1 capital ratio of 9.93%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.52%, and the return on assets is 1.87%.
Yes. Century Next Bank is FDIC-insured (Certificate #29700). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Century Next Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.