Century Bank (FDIC certificate #11448) is based in Lucedale, Mississippi. Its Q2 2026 call report shows $566.2M in total assets and $509.2M in deposits and 9 offices across 2 states.
Based on its Q2 2026 filing, Century Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 32nd. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is capital cushion (51/100; 10.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 63 |
| Q4 2024 | 66 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.52% |
| Q3 2024 | 9.55% |
| Q4 2024 | 9.41% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.74% |
| Q4 2025 | 9.85% |
| Q1 2026 | 10.08% |
| Q2 2026 | 10.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.09% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $566.2M | 10.12% | 0.60% | 1.24% | 76.5% |
| Q1 2026 | 69 | $562.2M | 10.08% | 0.63% | 1.21% | 75.1% |
| Q4 2025 | 68 | $551.7M | 9.85% | 0.61% | 1.13% | 76.0% |
| Q3 2025 | 68 | $550.8M | 9.74% | 0.52% | 1.09% | 71.7% |
| Q2 2025 | 67 | $551.4M | 9.52% | 0.48% | 1.04% | 72.1% |
| Q1 2025 | 66 | $546.7M | 9.45% | 0.48% | 0.96% | 73.7% |
| Q4 2024 | 66 | $530.4M | 9.41% | 0.52% | 0.99% | 74.1% |
| Q3 2024 | 63 | $528.9M | 9.55% | 0.74% | 0.96% | 76.3% |
| Q2 2024 | 61 | $519.1M | 9.52% | 0.94% | 0.88% | 76.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| First Choice BankBank Pontotoc, MS | 61 out of 100, Moderate | $561.0M | 9.5% | 0.31% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
Deposit insurance
Is my money safe at Century Bank?
Yes. Century Bank is an FDIC-insured institution (FDIC certificate #11448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($132.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
Century Bank lists 9 offices in 6 cities across 2 states. Most locations:
- Mobile, AL (3)
- Lucedale, MS (2)
- Fairhope, AL (1)
- Grand Bay, AL (1)
- Hurley, MS (1)
- Semmes, AL (1)
HMDA 2025
Mortgage lending
In 2025, Century Bank reported 84 home-loan applications under HMDA (LEI 549300NAIUVHH8SCGC11): 55 originated ($29,475,000 total), 11 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Century Bank
- Former names
- Bank of Lucedale
- Type
- State-chartered bank
- FDIC certificate #
- 11448
- RSSD ID
- 58636
- Primary regulator
- FDIC
- Holding company
- Bancorp of Lucedale Inc
- Established
- June 1, 1903
- Headquarters
- 4282 Main St, Lucedale, MS 39452
- Website
- centurybank.net
- Employees
- 129
Quick answers
Century Bank: common questions
Is Century Bank FDIC insured?
Yes. Century Bank is an FDIC-insured institution (FDIC certificate #11448). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Century Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Century Bank ever failed?
There is no failure record for FDIC certificate #11448 in the FDIC failed bank list.
How many branches does Century Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lucedale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Mobile Educators Credit UnionCredit union Mobile, AL | 84 out of 100, Strong | $113.2M | 13.2% | 0.74% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
| New Horizons Credit UnionCredit union Mobile, AL | 71 out of 100, Strong | $304.1M | 10.8% | 0.37% | vs |