# CENTURY NEXT BANK
RUSTON, LA · FDIC certificate 29700 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $916.4M | |
| Deposits | $795.3M | |
| Loans and leases | $671.6M | |
| Total equity | $112.5M | |
| Loans / deposits | 83.52% (p54 of band) | 82.04% |
| Liquid assets / assets | 23.09% (p44 of band) | |
| Uninsured deposits / deposits | 58.46% (p98 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.95% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | 0.13% (p99 of band) | -8.10% |
| AOCI / equity | -0.68% (p34 of band) | |
| ROA (annualized) | 1.75% (p77 of band) | 1.28% |
| Net interest margin | 4.73% (p89 of band) | 3.91% |
| Efficiency ratio | 52.10% (p22 of band) | |
| Noncurrent loans | 0.12% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 946.65% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 60.57% (p64 of band) | |
| Auto loans | $1.4M (0.21% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 119 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | loans exceed deposits |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | liquid assets <10%, capital falling |  |
| 2013-12 | 3 | wholesale funding >15% | liquid assets <10% |
| 2014-03 | 3 | brokered >10% | loans exceed deposits |
| 2014-06 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2014-09 | 6 | liquid assets <10% |  |
| 2014-12 | 5 |  | reserve under noncurrent |
| 2015-03 | 2 |  | capital falling, wholesale funding >15%, brokered >10% |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 2 |  | liquid assets <10% |
| 2015-12 | 4 | brokered >10%, wholesale funding >15%, capital falling | reserve under noncurrent |
| 2016-03 | 5 | construction >100% equity |  |
| 2016-06 | 5 | liquid assets <10% | construction >100% equity |
| 2016-09 | 3 |  | capital falling, liquid assets <10% |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | brokered >10% |
| 2017-06 | 4 | capital falling, construction >100% equity |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 3 | brokered >10% | construction >100% equity |
| 2018-09 | 2 |  | loans exceed deposits |
| 2018-12 | 0 |  | wholesale funding >15%, brokered >10% |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | wholesale funding >15% |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2020-12 | 1 |  | liquid assets <10%, reserve under noncurrent |
| 2021-03 | 1 | reserve under noncurrent | brokered >10% |
| 2021-06 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2024-03 | 2 | capital falling | run vulnerability |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-08-25 [Century Next Bank earns top ranking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbC1CM0dqd0JXb2RhZlM2dVBRMnowbHdtRXJubkVNSDVZRDUtUmdLYVZZTXNnX1hIMC1XNHJxV0YyVXV0MnJQVTU1MDdjN2w0a1ozcmtFZzQ5dTVia3hZdGlKWmZRdUcyY1lBSkV6cjFRMmYxY20wdzhreXZ2WDZOTUMzTW1WVU0?oc=5) · Lincoln Parish Journal
- 2026-07-21 [Century Next Financial Corporation Reports Record 2nd Quarter 2026 Results - Yahoo Finance](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPT1N6eTdEa1NSNk9YXzNlRW5LYnhyLWFTSl9wOVBjOURPaGhSd3NseUYyNW1oQXp3ZnRBR1ZzYjNrOXZ6RUZMV2ZtUnVQdUZ2YkRoYTloZW5zT2E5YkRqSDducUdhMnFFQjJKRkxPOFlTel9fZGVFT1JOYWNaclZsS2ZIeWRLcVdkTGtITXJNUUlkZzJvYjRtekFULUFVSUs3eUNTdDM0S0lTYWs?oc=5) · Yahoo Finance
- 2026-06-02 [Century Next Bank: Enhanced Online & Mobile Banking Is Here! - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQWGotMnRYZHNQRVZOZjV5R3lVR0lGVms0UlRJa19DUjA3UkNxREJlMU1INDFjdDJ5M19tMU05N01PYWtKMnROTmp1cThuUGp3NFlKXzFFOFlmbzl0NnFpcE1ELUhuelFSVzJRLTc1UENKd2pKOU5RXzRPVUw3SkZfeTVLQWM1NVF2cXdCeV9GX3VHUVdoMnhCRGpiaVVlQW5ZcGhB?oc=5) · Lincoln Parish Journal
- 2026-05-22 [Louisiana Tech University farm production sale raises $176K - knoe.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNR1ctLXpwUG9DczEyRUZmekltNUZ3T0VLaENYRkIyMF9jOGtRa3B1bVRYbGRJSVdGeFBqLWxMbXVsNkluemYtbmxiLTFFVFVMdkZnUF8tdVpWazc3MlBxUWFKbGxmUERRZm9kU0RlYUtMTkRBN2dWVHVfZHU0WGVtYXVqODYzOTloSzF4SzQ4RGNKdTI5ZUHSAaoBQVVfeXFMUDRPa0xhVXVTellYOE5xdHUyXzg4ay1QSVZFTDNCWm02OGpoMm5QalRnX1lsVjFBWk5zc0NKd0FHVHBDMThhOFN4emc5amdEZzZrYUxlM3pXRThKZXJJOTdMZDV6NFpwa3V2NkRuSUNkZ201aC16Vnk5NElJUm9fSFFyWUxjemplT0JhU2VUeFVyM05uR0JWaUdod0FqdW5oR3NqZE5fOTVLZHc?oc=5) · knoe.com
- 2026-05-22 [53rd Annual Farm Production Sale raises $176,000 and Food Bank donation - Louisiana Tech University](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTzJlZ2VISkt3UGdDX1lnSjc5WGMzZmhMT21uV3lrb28wQ3U4Vkxfd0czRUl3M1pJc0NMTkdDYmg1Qk5WNzBDcy1LTVc0MFRmNElMeWl3ZlZVcmxKeGFxT0swQ0pXM1loS01uelV3VUhESnpIU3B2UW5Nb1B1ODczRWVremVRRE5jWGtNZGJQdGpUal9zLVM5Z05VM1UxemlQaGJ3?oc=5) · Louisiana Tech University
- 2025-07-03 [West Monroe officers arrest man accused of robbing Century Next Bank - KTVE – myarklamiss.com – Your ArkLaMiss News Source](https://news.google.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?oc=5) · KTVE – myarklamiss.com – Your ArkLaMiss News Source
- 2026-05-01 [Century Next Bank donates $5000 to Boys & Girls Clubs of North Louisiana - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNNDRsMldJTjJCMEU0OEpKU09uUjMtakowR3cxT1RfeFhVQVl6X1pkcEt5UE9lNzhnUlhtRkJ5a1VaaHZFa0V0bTdjZ0JpbnRpOXBIWlhxU0RRNVBCYy1vQnZ4R0Y3ekNteV93a0t5anJ5U0JUY2k2ZWVJZU5VMG12X295d2JVRTVERXBlU1RaTFBHeUdoYmxieXFCemloNVdWbDFsbGpwUHFvenc3SGdoSGU2WG8?oc=5) · Lincoln Parish Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29700 (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/4.json (key "29700", 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