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4282 Main Street
Lucedale, MS 39452

Century Bank is headquartered in Lucedale and is the 36th largest bank in the state of Mississippi. It is also the 2,483rd largest bank in the nation. It was established in 1903 and as of December of 2013, it had grown to 114 employees at 10 locations. Century Bank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Century Bank had $2.38 million in non-current loans and owned real-estate with $28.63 million in equity and loan loss allowances on hand to cover it. This gives Century Bank a Texas Ratio of 8.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Century Bank decreased slightly from 11.61% as of December 31, 2012 to 8.31% as of December 31, 2013, resulting in a positive change of 28.45%.This indicates that the balance sheet and financial strength for Century Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Century Bank has increased its total deposits by $8.12 million, resulting in 4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Century Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Century Bank has $255.86 million in assets with $28.63 million in equity, resulting in a capitalization level of 11.19%, which is excellent.

Institution Statistics

FDIC Certificate #11448
Year Established1903
Primary RegulatorFDIC
Assets and Liabilities
Assets$255.86 million
Loans$156.21 million
Deposits$211.37 million
Equity Capital$25.77 million
Loan Loss Allowance$2.87 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$523,000
Historic Data - December 2012
Assets$243.62 million
Equity Capital$25.74 million
Loan Loss Allowance$2.15 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$744,000
Profit Margin - Quarterly
Net Interest Margin4.62%
Return on Assets0.83%
Return on Equity8.05%
Interest Income$11.13 million

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Century Bank Locations
Market Place Branch1002 Highway 63 SouthLucedale, MS 39452
Walmart Branch11228 Hwy. 63 SouthLucedale, MS 39452
Vancleave Branch11621 Highway 57Vancleave, MS 39565
Spring Hill Branch127 West I-65 Service Road NorthMobile, AL 36608
Century Bank4282 Main StreetLucedale, MS 39452
Tillman's Corner5370 Hwy 90 WestMobile, AL 36628
West Moffett Commercial Park Shopping Center Branc7875 Moffett RoadSemmes, AL 36575
East Central BranchHighways 613 and 614Hurley, MS 39555
Escatawpa BranchNew Sarracenia Road and Highway 63Escatawpa, MS 39552
Mobile County Bank BranchUnion Church Road and Highway 90Grand Bay, AL 36541