Century Next Bank
Ruston, Louisiana, Lincoln County
$916M in total assets, the 1,149th largest of 4,309 US banks and 22nd of 104 headquartered in Louisiana.
- FDIC certificate
- 29700
- Established
- 1905
- Owned by
- Century Next Financial Corp
- Primary regulator
- OCC
- Website
- www.cnext.bank
At a glance
Compared with 73 banks headquartered in Louisiana with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $916M | 97% | $329M | |
| Loans | $672M | 98% | $220M | |
| Deposits | $795M | 98% | $282M | |
| Return on assets | 1.79% | 84% | 1.22% | |
| Net interest margin | 4.73% | 81% | 4.31% | |
| Efficiency ratio | 52.1% | 8% | 65.3% | |
| Equity to assets | 12.27% | 70% | 10.73% | |
| Loans to deposits | 84% | 62% | 81% |
Growth
Total assets grew 11.2% a year over the last 5 years and 15.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2018 | First National Bank of Crossett Crossett, AR | $154M |
Where they operate
7 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lincoln County, LA | $533M | 22.5% | 2 of 11 |
| Ashley County, AR | $152M | 42.8% | 1 of 5 |
| Ouachita County, LA | $111M | 2.5% | 9 of 17 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (2 to 7, +250.0%). 2 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2016 | Opened Monroe | 1 | 0 | +1 | 3 |
| 2018 | Acquired First National Bank of Crossett | 4 | 0 | +4 | 7 |
| 2020 | Opened West Monroe | 1 | 0 | +1 | 8 |
| 2022 | Closed Fountain Hill | 0 | 1 | −1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 29% | |
| 1-4 family residential | 28% | 33% | |
| Business (C&I) | 12% | 12% | |
| Construction and land | 10% | 11% | |
| Multifamily | 4% | 3% | |
| Consumer | 2% | 4% | |
| Farmland | 2% | 5% | |
| Agricultural | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 40% | |
| Noninterest-bearing | 39% | 27% | |
| Time deposits | 4% | 34% |
Brokered deposits are 0.0% of deposits (peers 0.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.12% | 0.87% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 1.09% | 1.19% |
| Leverage ratio | 11.95% | 11.45% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Lincoln County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/century-next