Total Assets
$552M
Total balance-sheet footings
FDIC Cert #11448 · Lucedale, Mississippi · Est. 1903
Century Bank - FDIC Bank Health Profile
A community-scale look at Century Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $552M
- Total assets
- B
- Health grade · Good
- 1.13%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Century Bank earns a PlainBankData health grade of B (66/100), with 9.85% Tier 1 capital, profitable at 1.13% ROA, 69% efficiency ratio.
- #1,675
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 9.85%
- Tier 1 ratio - below the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Century Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Century Bank's composite health score
Tier 1 Capital Ratio (9.85%) 18/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (4.27%) 20/20
Efficiency Ratio (68.96%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$497M
Customer-funded liabilities
Net Loans
$378M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Century Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Bank's score of 66/100 falls in the highlighted band.
Century Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Century Bank's $552M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.85% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.85%
Texas Ratio
4.27%
Equity Capital
$50M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
13.36%
Efficiency Ratio
68.96%
What the numbers say about Century Bank
Century Bank is an FDIC-insured institution (Certificate #11448) headquartered in Lucedale, Mississippi, established in 1903. It holds $552M in total assets - 1,675th of 4,313 FDIC-insured banks, $497M in customer deposits, and $378M in net loans. Its capital position: a Tier 1 ratio of 9.85%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.27% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Century Bank sits 23rd of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$30M
Interest Income
$4M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Bank reports a Texas Ratio of 4.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Bank (FDIC Cert #11448) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Century Bank's health grade?▼
Century Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Century Bank?▼
Century Bank holds $552M in total assets and $497M in deposits, ranking 1,675th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lucedale, Mississippi.
Is my money safe at Century Bank?▼
Yes, deposits at Century Bank (Certificate #11448) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Century Bank's Tier 1 Capital Ratio?▼
Century Bank has a Tier 1 Capital Ratio of 9.85%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Century Bank?▼
Century Bank has a Texas Ratio of 4.27%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Century Bank?▼
Century Bank has an Efficiency Ratio of 68.96%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Century Bank's profile as a depositor or analyst.
- Century Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Century Bank against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.