# CENTURY BANK
LUCEDALE, MS · FDIC certificate 11448 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $566.2M | |
| Deposits | $509.2M | |
| Loans and leases | $394.7M | |
| Total equity | $51.7M | |
| Loans / deposits | 76.50% (p38 of band) | 82.04% |
| Liquid assets / assets | 24.26% (p49 of band) | |
| Uninsured deposits / deposits | 25.97% (p50 of band) | 25.97% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 0.01% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.12% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -17.79% (p26 of band) | -8.10% |
| AOCI / equity | -2.02% (p8 of band) | |
| ROA (annualized) | 1.24% (p48 of band) | 1.28% |
| Net interest margin | 4.54% (p84 of band) | 3.91% |
| Efficiency ratio | 66.79% (p66 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 219.74% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 88.77% (p82 of band) | |
| Auto loans | $9.8M (2.48% of loans; DQ 6.53%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 129 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | construction >100% equity |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, construction >100% equity |  |
| 2020-03 | 2 | charge-offs p90 | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | capital falling | construction >100% equity, charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | construction >100% equity |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 | charge-offs p90 | capital falling, construction >100% equity |
| 2021-12 | 1 | construction >100% equity | charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-07 [Bank7 to buy 71% of Century Bank, maybe - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVUhtSWdma1FOY043NkJfY19PMXFpb19WbU5QMmMzc19oNlhSMUtHZktKbGlfTGZHUmhac3pkcmtCMjBZWWwySFNCeWJEaEhudWpxQzJfZEZMbC1YWGZWQUhabXFVTjg5RHlXWHRLX0tSdkJIVDFNbF9VLXI2R214dzNNbkI?oc=5) · Banking Dive
- 2026-08-31 [Century Bank donates $75,000 to Feeding the Gulf Coast - WKRG](https://news.google.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?oc=5) · WKRG
- 2026-07-31 [Century Bank names new senior vice president, wealth management director - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNYTlBdno0REJsMHlqN2VuVWxGanhmeGswZUlybzQ1b2lRVVgzTTJobkFNM1p4ejJwT1ljdkYyS2MtbFJDLWlKekthODVhSF9ienRQczg4ZHl4aFhfRDZSd2JBZVZIQnRqb1ZHSTRWS0QweXdqXzZRZm4ycjFOc21fcnhNQkZXLXpLYy1MTkFTTnVhVllxTEpCZFRMcG0yZGtaa0RFcnZxNlpfLVAxRlRnZFR6OVZQZFotOUY2cEZFXzN1RWwtR0dVS3lXZGxwNTdBdEc5YkU0X2hPVzhYZl9yRDdsUFAtN0J2LTNDLW1RMHhTSDZKNkZ6SWlZa3ZJZw?oc=5) · Santa Fe New Mexican
- 2026-06-01 [USCB Financial Holdings Names Sergio Garrido Chief Credit Officer; Announces Retirement of William Turner - citybiz.co](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPUE9qRWhEVUpFZ2pwQXFqMG9PM0dVZkdoQXdSbFhDNU0zNXMwZldFMEgtZzZ2OTFHMm9jVU9uTmlucjZ3Z1VCZnV4MzZ3Vk84ekpzWmI5X3U2eVN3V2tVN1JoVzk4WHUxbTJFT004a29GZ1FkWHFmUGhFaXRoOHZ3WXJYQlFnX21DdW5OU0VRTzltUzlZdXVheFppT0JoclFQRkhIcDR0ZkRkSlVqQ1ZDZHd3T2dFUVN3aGg2bTltdXFpRVJkcmI4c0RsZnB6OGl3LTVwMFM4SFE4Sk0?oc=5) · citybiz.co
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-31 [Longtime veterans named to VP positions at Century Bank - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQVEs1RDF6WTZZYUhQdUJhOS1QTUh5N0FZaEhWWmViRVBEX3FsSjRxVkZCUUhaWHJxUFVwMWlKU3ZPZ1kydzRPbTlTLXozQXhMdlk1a25qTHhFdVU2WnFpVkZLVHBPakZjd19ZZWpxcWozNUU3ZWxHRXNtM3EtOVpUbElXOWQ4MXc5azMyOVpUbHZHdzJQTHR4QjBtMDlwY0pKWElMV0sycXdPX01pSnFDeW9hb2dmNFAyRGFsTGZmMGFkQmxnQlZzb1J2Q0gyd1FYWUJhOXFuQ0NLNjduZHo0X3d6SFFZeFdw?oc=5) · Santa Fe New Mexican
- 2026-04-20 [Metropolitan Commercial Bank Expands Florida Presence, Adds Jessica Raffo as Director of Association Banking - Business Wire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNQmlibmtTUV9RSlJjQTJKMExtOGh2a0poVjRaMmlZQW9MWlYxeFZXeFgxbVFhX2lfQmNMakJsTVpGS2s3eTBHbDExVDdTOVpqcUJCX3JMY2JRTjRwa0g3eWZCRkFCMVpRbjRlZDZsN3dzd0RibkZERHlielBSUHNvOTFyc3pBU2EzOEJlSzNGTVJ6S1pzRmxPbDV4WHVEZUFnQ1Y4MGZYaFNrNXJEallHZE9YX3FjdnJBczN6MXFwdzNWV0RsaWZpYnVmWlpqd0paM1B3Qkt4cDNaNUdQckEzbi0tSzdiMzZmU1FHWlp5ZDhDaTFTVTNN?oc=5) · Business Wire
- 2026-07-28 [JoAnn McBay Weaver Obituary (2026) - Lucedale, MS - Sigler Funeral Home Inc. - Lucedale - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVEYtZnlqLWVNMHo3WU1iMmNiNW9ub0pIMFdYVGxQWDBQRU8ycEYtLXN2RkpsN2JGYVhJb1FDbnpiTWtnLUNMNWxSc3RsYjZGU09kalJ3eGR3MHVKZWJmTkZuUkh0OV9ITGhXMFVsUzgwZWJDc0RubHEtOTRQYW8zMg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11448 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "11448", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide