Century Bank
Lucedale, MS
IDRSSD: 58636
Total Assets
$551.72M
Latest filing
Total Deposits
$497.32M
Latest filing
Net Interest Margin
4.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Century Bank
4282 Main St
Lucedale, MS 39452
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1903FDIC Certificate 7311
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Century Bank (Main) | 4282 Main St | Lucedale, MS |
| EAST CENTRAL BRANCH | 21300 Highway 613 | Hurley, MS |
| MARKET PLACE BRANCH | 1002 Highway 63 South | Lucedale, MS |
| TILLMAN'S CORNER | 5370 Highway 90 W | Mobile, AL |
| MOBILE COUNTY BANK BRANCH | 10225 Grand Bay Wilmer Rd S | Grand Bay, AL |
| WEST MOFFETT COMMERCIAL PARK SHOPPING CENTER BRANCH | 7875 Moffett Rd | Semmes, AL |
| SPRING HILL BRANCH | 127 W I65 Service Rd N | Mobile, AL |
| COTTAGE HILL ROAD BRANCH | 6380 Cottage Hill Rd | Mobile, AL |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39452 |
| State and County Number | 28039 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 122 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | centurybank.net |
| Data Updated | 01/30/2026 |
| CERT | 11448 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $551.72M |
| Total Deposits | $497.32M |
| Total Liabilities | $501.99M |
| Total Equity Capital | $49.73M |
| Net Income | $1.71M |
| Net Loans and Leases | $378.05M |
| Assets Per Employee ($Millions) | $4.31M |
| Bank Premises and Fixed Assets | $17.51M |
| Cash and Balances due from Depository Institutions | $12.46M |
| Deposits Held in Domestic Offices | $497.32M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 13.86% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 71.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.013% |
| Earning Assets to total Assets | 91.04% |
Income and Expense
| Total Interest Income | $7.81M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $2.06M |
| Total Noninterest Expense | $4.88M |
| Net Interest Income | $5.75M |
| Pre-tax Net Operating Income | $1.89M |
| Provision for Credit Losses | $70.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.68M |
| Total Liabilities and Capital | $551.72M |
Securities
| Securities | $121.97M |
| Available-for-sale debt securities | $121.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Century Bank?
$551.72M as of the latest filing.
How much are Century Bank's total deposits?
$497.32M in total deposits.
Where is Century Bank located?
Lucedale, MS.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
9.
When was it established?
06/01/1903.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$378.05M (latest filing).
What is the total interest income (latest filing)?
$7.81M.