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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 11448 · MS B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3390/4307
  • PHOTO-FINISH HomePride Bank · MO
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: HomePride Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Century Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Community Bank · IL · ne…66/100Century Bank · MS · this bank66/100First State Bank of… · IL · …66/100HomePride Bank · MO · near66/100Sanborn Savings Bank · IA · …66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Bank · July 2026

What Century Bank's Call Report plate shows

Century Bank (FDIC Cert #11448) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,390 of 4,307. Tier 1 capital prints at 9.85%, missing the 10% well-capitalized line. The Texas Ratio is 4.27%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $552M, 1,675th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is HomePride Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Century Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Century Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Century Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

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.

0/100100/100National avg77/10066/100
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 Assets

$552M

Total balance-sheet footings

Total Deposits

$497M

Customer-funded liabilities

Net Loans

$378M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.45% 9.85% 11.25%
Basel III capital ratios - Century Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Century Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Century Bank

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

What these ratios mean →

Earnings posture at Century Bank

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
13.36%
Efficiency Ratio
68.96%

What these mean →

Income & expense at Century Bank

$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.

FDIC Failed Bank List → View Century Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($552M here), outside Mississippi so the neighborhood is not state containment.

Citizens' Bank & Trust Co. $552M · AR Premier Community Bank $551M · WI The Farmers Bank of Willards $553M · MD West Point Bank $553M · KY

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.

Century Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
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%