Century Next Bank

505 North Vienna Street
Ruston, LA 71270


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29700
Date Established 1905
Assets $0.46 billion
Loans $0.38 billion
Deposits $0.39 billion
Capital $0.05 billion

Century Next Bank is an FDIC insured institution located in Ruston, LA. It was founded in 1905 and has approximately $0.46 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Century Next Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Century Next Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Century Next Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.52
Credit Card Loans 0.65
Consumer Auto Loans 3.02
Small Business Loans 9.02
Construction and Development Loans 9.19
Commercial Real Estate 27.29
Commercial and Industrial Loans 14.56
Farm Loans 0.13

Deposit Rates - June 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $10,000 - Learn MoreShow Less
3 Mo CD
0.30% $1,000 - Learn MoreShow Less
6 Mo CD
0.40% $1,000 - Learn MoreShow Less
12 Mo CD
0.60% $1,000 - Learn MoreShow Less
Special: 13 Mo CD
1.25% $5,000 $50,000 Learn MoreShow Less
18 Mo CD
0.75% $1,000 - Learn MoreShow Less
Special: 23 Mo CD
1.75% $5,000 $50,000 Learn MoreShow Less
24 Mo CD
0.85% $1,000 - Learn MoreShow Less
36 Mo CD
1.10% $1,000 - Learn MoreShow Less
48 Mo CD
1.35% $1,000 - Learn MoreShow Less
60 Mo CD
1.80% $1,000 - Learn MoreShow Less

Fixed IRA
0.60% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.55% $1 $249,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - June 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Century Next Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Century Next Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Century Next Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Century Next Bank Locations

Financial Details

Century Next Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Century Next Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Century Next Bank U.S. Bank Average
3.82% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Century Next Bank had $1,025,000 in non-current loans and $957,000 in owned real estate. To cover these potential losses it had $49,287,000 in equity and $2,567,000 in loans loss reserves. That gives it a Texas Ratio of 3.82%.

Return on Equity
Century Next Bank U.S. Bank Average
12.45% 8.80%

Century Next Bank has a Return on Equity of 12.45% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Century Next Bank U.S. Bank Average
10.68% 12.29%

Century Next Bank has a Capitalization of 10.68% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Century Next Bank Balance Sheet Analysis

As of December 31, 2018, Century Next Bank had assets of $461,436,000, loans of $375,341,000, and deposits of $386,341,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.05 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.38 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.02 billion
     Total Assets $0.41 billion
Total deposits $0.39 billion
      Interest-bearing deposits $0.33 billion
      Deposits held in domestic offices $0.39 billion
      % insured (estimated) 69.72%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.41 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Century Next Bank

Branches and Savings

Is Century Next Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29700.

Why does Century Next Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Century Next Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Century Next Bank a commercial bank?


Where are Century Next Bank locations?

See branch locations nearby.

Is Century Next Bank open on Saturdays?

Is Century Next Bank open on Sundays?

What time does Century Next Bank open?

What time does Century Next Bank close?

Are Century Next Bank ATMs Open 24/7?

Do Century Next Bank ATMs accept cash deposits?

Can Century Next Bank customers use other ATMs?

Do Century Next Bank branches have notaries?

Will Century Next Bank notarize my document?

What address for Century Next Bank should I put for incoming ACH transfers?

Will the Century Next Bank branch print checks?

Do Century Next Bank checks expire?

Does Century Next Bank require US citizenship to open account?

Can Century Next Bank close my account?

Does Century Next Bank Report to credit bureaus?

Does Century Next Bank Use Equifax?

What is Century Next Bank's ACH Routing Number?

What is Century Next Bank's SWIFT code?


Does Century Next Bank offer mortgages?

Compare mortgage rates here.

Does Century Next Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Century Next Bank offer personal loans?

Compare personal loan rates here.

Does Century Next Bank offer student loans?

Will Century Next Bank cash a check?

Will Century Next Bank redeem a savings bond?

Does Century Next Bank cash savings bonds?

Will Century Next Bank cash money orders?

Can Century Next Bank issue a money order?

Does Century Next Bank do currency exchange?

Background on The Bank

Who owns Century Next Bank?

How long has Century Next Bank been around?

Can Century Next Bank transfer to other banks?

Does Century Next Bank have quick pay?

Does Century Next Bank accept rolled coins?

Will Century Next Bank accept loose change?

Where is Century Next Bank headquarters?

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