What is Century Bank's financial health grade?

Century Bank has a TFS Financial Health Grade of D+ (score: 68.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Century Bank have?

Century Bank has 9 branch locations across the United States.

Is Century Bank FDIC insured?

Yes, Century Bank is FDIC insured (Certificate #11448).

What are the total assets of Century Bank?

Century Bank has total assets of $551.7M as reported in its most recent FDIC filing.

Century Bank

BankLucedale, Mississippi

centurybank.net

Total Assets

$551.7M

Total Deposits

$497.3M

Branches

Established

1903

TFS Health Grade

D+

68.8 / 100

Below average financial health

How we grade

Century Bank is a bank headquartered in Lucedale, Mississippi, established in 1903. With $551.7M in total assets and 9 branch locations, it has a TFS Financial Health Grade of D+ (68.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.85%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.61%

Profitability

Return on Assets (ROA)

1.13%(1%)

Return on Equity (ROE)

13.36%(10%)

Net Interest Margin

4.32%

Efficiency Ratio

68.96%(60%)

Lending & Liquidity

Total Loans

$383.3M

Loan-to-Deposit Ratio

76.02%

Net Charge-Off Ratio

0.09%

Growth

Asset Growth (YoY)

+4.03%

Deposit Growth (YoY)

+3.00%

Net Income

$6.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Century BankHQ	4282 Main St	Lucedale	MS	11
Century Bank	861 Edwards Ave	Fairhope	AL	11
Century Bank	10225 Grand Bay Wilmer Rd S	Grand Bay	AL	11
Century Bank	127 W I65 Service Rd N	Mobile	AL	11
Century Bank	5370 Highway 90 W	Mobile	AL	11
Century Bank	6380 Cottage Hill Rd	Mobile	AL	11
Century Bank	7875 Moffett Rd	Semmes	AL	11
Century Bank	21300 Highway 613	Hurley	MS	11
Century Bank	1002 Highway 63 South	Lucedale	MS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.