| Metric | Century Next Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.7 pts |
| Deposit growth (YoY) | -2.9% | +4.3% | -7.2 pts |
| Loan growth (YoY) | +7.5% | +5.3% | +2.1 pts |
| ROA | 1.75% | 1.28% | +0.5 pts |
| ROE | 14.4% | 12.4% | +1.9 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $916.4M | $795.3M | $664.2M | $112.5M | $7.9M | 1.75% | 4.73% | 0.13% |
| Q1 2026 | $913.3M | $794.4M | $656.5M | $109.9M | $3.6M | 1.63% | 4.70% | 0.16% |
| Q4 2025 | $876.5M | $760.9M | $644.9M | $106.9M | $15.9M | 1.78% | 4.59% | 0.52% |
| Q3 2025 | $903.8M | $792.9M | $624.8M | $102.6M | $12.0M | 1.77% | 4.53% | 0.49% |
| Q2 2025 | $923.3M | $818.8M | $618.0M | $97.1M | $7.6M | 1.69% | 4.44% | 0.39% |
| Q1 2025 | $909.4M | $807.4M | $616.2M | $94.1M | $3.6M | 1.60% | 4.35% | 0.41% |
| Q4 2024 | $868.9M | $772.4M | $605.4M | $89.3M | $12.6M | 1.54% | 4.30% | 0.46% |
| Q3 2024 | $857.2M | $762.2M | $590.9M | $88.2M | $9.1M | 1.50% | 4.27% | 0.67% |
Loan mix (Q2 2026): real estate $578.2M · commercial $80.6M · consumer $11.1M · securities $139.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Century Next Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 61.2% | 23th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Century Next Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Century Next Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Century Next Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Century Next Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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