TellerScore

Century Next Bank is a savings bank headquartered in Ruston, Louisiana, in business for about 121 years. At the end of Q2 2026 it reported $916.4M in total assets and $795.3M in deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, Century Next Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 22nd. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is funding & liquidity (28/100; 84% loans-to-deposits, 58% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.95%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings90/100
Return on assets (annualized): 1.75%
Funding & liquidity28/100
Loans ÷ deposits and uninsured-deposit share: 83.5% · 58.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.96%

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 9 points (68 → 77), mostly because the capital cushion component improved by 16 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202466
Q1 202567
Q2 202568
Q3 202573
Q4 202574
Q1 202675
Q2 202677
Tier 1 leverage ratio
5.00%8.47%11.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.93%
Q3 202410.12%
Q4 202410.20%
Q1 202510.26%
Q2 202510.30%
Q3 202510.90%
Q4 202511.36%
Q1 202611.80%
Q2 202611.95%
Noncurrent loans
0.12%0.52%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.52%
Q3 20240.92%
Q4 20240.63%
Q1 20250.58%
Q2 20250.56%
Q3 20250.22%
Q4 20250.23%
Q1 20260.16%
Q2 20260.12%
Return on assets
1.50%1.64%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.50%
Q3 20241.50%
Q4 20241.54%
Q1 20251.60%
Q2 20251.69%
Q3 20251.77%
Q4 20251.78%
Q1 20261.63%
Q2 20261.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$916.4M11.95%0.12%1.75%83.5%
Q1 202675$913.3M11.80%0.16%1.63%82.6%
Q4 202574$876.5M11.36%0.23%1.78%84.8%
Q3 202573$903.8M10.90%0.22%1.77%78.8%
Q2 202568$923.3M10.30%0.56%1.69%75.5%
Q1 202567$909.4M10.26%0.58%1.60%76.3%
Q4 202466$868.9M10.20%0.63%1.54%78.4%
Q3 202463$857.2M10.12%0.92%1.50%77.5%
Q2 202466$831.2M9.93%0.52%1.50%79.6%

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).

Capital ratio11.95%
64th
Total risk-based capital0.00%
24th
Problem loans0.12%
73rd
Net charge-offs0.03%
35th
Return on assets1.75%
78th
Net interest margin4.73%
87th
Efficiency ratio52.1%
79th
Loans to deposits83.5%
42nd
Uninsured deposits58.5%
2nd
Loan-loss reserves1.09%
38th
Texas ratio1.0%
69th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of LouisianaBank Mansfield, LA74 out of 100, Strong$852.9M10.1%0.01%vs
Resource BankBank Covington, LA78 out of 100, Strong$980.7M12.8%0.05%vs
First National Banker's BankBank Baton Rouge, LA69 out of 100, Moderate$983.0M16.1%0.78%vs
Community First BankBank New Iberia, LA72 out of 100, Strong$781.6M9.7%0.54%vs
M C Bank & Trust CompanyBank Morgan City, LA47 out of 100, Below average$710.0M43.0%5.84%vs
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs

Deposit insurance

Is my money safe at Century Next Bank?

Yes. Century Next Bank is an FDIC-insured institution (FDIC certificate #29700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 58.5% of deposits ($464.9M) 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 11.95%, 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%).

Check how much of your own balance is covered

7 locations

Branches

Century Next Bank lists 7 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Century Next Bank reported 195 home-loan applications under HMDA (LEI 5493005EWJNDWPLNG328): 178 originated ($67,670,000 total), 9 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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 Next Bank
Former names
Bank of Ruston; Ruston Building and Loan Association
Type
Savings bank
FDIC certificate #
29700
RSSD ID
345877
Primary regulator
OCC
Holding company
Century Next Financial Corp
Established
January 1, 1905
Headquarters
505 N Vienna St, Ruston, LA 71270
Employees
119

Quick answers

Century Next Bank: common questions

Is Century Next Bank FDIC insured?

Yes. Century Next Bank is an FDIC-insured institution (FDIC certificate #29700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Century Next Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Century Next Bank ever failed?

There is no failure record for FDIC certificate #29700 in the FDIC failed bank list.

How many branches does Century Next Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Ruston

InstitutionScoreAssetsCapitalProblem loansCompare
Department of Corrections Credit UnionCredit union Baton Rouge, LA90 out of 100, Very strong$126.3M23.4%0.57%vs
Gibsland Bank & Trust CompanyBank Gibsland, LA81 out of 100, Strong$574.3M16.5%0.61%vs
Union Federal Credit UnionCredit union Farmerville, LA80 out of 100, Strong$611K21.2%0.00%vs
Hodge Bank & Trust CompanyBank Hodge, LA78 out of 100, Strong$127.6M15.2%1.85%vs
Peoples BankBank Chatham, LA71 out of 100, Strong$86.1M11.7%1.32%vs
Jackson Parish BankBank Jonesboro, LA69 out of 100, Moderate$67.3M20.8%2.87%vs