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4282 Main Street
Lucedale, MS 39452

Century Bank is headquartered in Lucedale and is the 37th largest bank in the state of Mississippi. It is also the 2,514st largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 117 employees at 10 locations. Century Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Century Bank had $2.29 million in non-current loans and owned real-estate with $29.61 million in equity and loan loss allowances on hand to cover it. This gives Century Bank a Texas Ratio of 7.73% 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 experienced no significant changes from 7.48% as of March 31, 2013 to 7.73% as of March 31, 2014, resulting in a negative change of 3.36%. This indicates that the balance sheet and financial strength for Century Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Century Bank has increased its total deposits by $7.78 million, resulting in 3.74% 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 million in assets with $29.61 million in equity, resulting in a capitalization level of 11.61%, which is excellent.

Institution Statistics

FDIC Certificate #11448
Year Established1903
Primary RegulatorFDIC
Assets and Liabilities
Assets$255.00 million
Loans$154.75 million
Deposits$215.77 million
Equity Capital$26.69 million
Loan Loss Allowance$2.91 million
Unbacked Noncurrent Loans$1.79 million
Real Estate Owned$503,000
Historic Data - March 2013
Assets$250.49 million
Equity Capital$26.19 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$1.79 million
Real Estate Owned$614,000
Profit Margin - Quarterly
Net Interest Margin4.6%
Return on Assets0.72%
Return on Equity7.05%
Interest Income$2.79 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