Century Bank (FDIC #11448): Bank Stress & Real-Estate Credit Exposure

Century Bank (FDIC Cert #11448): bank stress 69/100, elevated, STABLE over 7 days; parent BANCORP OF LUCEDALE INC.

Century Bank (#11448) lends in 4 counties across 2 states; Century Bank (#11448) reaches 75 ZIP codes: Alabama 2 counties, 63 ZIPs; Mississippi 2 counties, 12 ZIPs.

Century Bank (#11448) largest markets: Mobile County, AL (195 branches, 39 ZIPs) (#11448), Baldwin County, AL (24 branches, 24 ZIPs) (#11448), Jackson County, MS (11 branches, 11 ZIPs) (#11448), George County, MS (6 branches, 3 ZIPs) (#11448).

Century Bank (#11448) reports $566.2 million in total assets; Century Bank (#11448) equity $51.7 million (9.1% of Century Bank (#11448) assets); Century Bank (#11448) domestic deposits $509.2 million; Century Bank (#11448) net income $3.5 million; Century Bank (#11448) return on assets 1.24%; Century Bank (#11448) return on equity 13.81%; Century Bank (#11448) net interest income $11.6 million; Century Bank (#11448) call report June 30, 2026.

Century Bank (#11448) noncurrent real-estate loans: none reported; Century Bank (#11448) net charge-offs on real estate 0.56%.

Century Bank (#11448) net interest margin 4.54% against an eight-quarter Century Bank (#11448) average of 4.22% (Century Bank (#11448) compression -0.32 points); Century Bank (#11448) rate-exposure score 40/100, Century Bank (#11448) fixed-rate trap 40/100; Century Bank (#11448) risk type credit driven; Century Bank (#11448) rate regime rates elevated, Century Bank (#11448) snapshot October 20, 2026.

Century Bank (#11448) stress score moved from 68.8 on June 22, 2026 to 68.7 on October 20, 2026; Century Bank (#11448) ranged 68.7 to 68.8 over 117 snapshots.

Century Bank (#11448) alerts: 4 counties; top Century Bank (#11448) alert scores: Fairhope County, MS 23 (low); Hurley County, MS 23 (low); Lucedale County, MS 23 (low); Semmes County, MS 23 (low).