Century Next Financial Corporation Reports Record 3rd Quarter 2025 Results
Century Next Financial Corporation (OTCQX: CTUY) reported record 3Q25 results for the quarter ended September 30, 2025, with net income $4.27M (up 41.3% YoY) and EPS $2.33 basic. For 9M25 net income was $11.66M (up 33.3%) and 9M EPS was $6.38 basic. Key drivers included net interest income $9.98M (3Q25) and improved net interest margin (4.51% three-month annualized).
Balance-sheet highlights: total assets $904.15M, investment securities increased ~$47.1M, loans net $624.8M, deposits $790.8M, and book value per share rose to $52.11. Nonperforming assets rose to $4.39M, including a $2.9M repossessed property with anticipated sale closing Dec 2025.
Century Next Financial Corporation (OTCQX: CTUY) ha riportato risultati record del 3Q25 per il trimestre terminato il 30 settembre 2025, con utile netto di $4.27M (in aumento del 41,3% anno su anno) e EPS di $2.33 base. Per i primissimi 9 mesi del 2025, l’utile netto è stato di $11.66M (in aumento del 33,3%) e l’EPS dei 9M è stato di $6.38 base. I principali fattori trainanti includevano utile netto da interessi di $9.98M (3Q25) e un margine di interesse netto migliorato (4,51% annualizzato su tre mesi).
Aspetti salienti del bilancio: attivo totale $904.15M, i titoli di investimento sono aumentati di ~$47.1M, prestiti netti $624.8M, depositi $790.8M, e il valore contabile per azione è salito a $52.11. Le attività non performanti sono aumentate a $4.39M, inclusa una proprietà pignorata del valore di $2.9M con vendita prevista entro dic 2025.
Century Next Financial Corporation (OTCQX: CTUY) informó resultados récord del 3T25 para el trimestre finalizado el 30 de septiembre de 2025, con utilidad neta de $4.27M (un 41.3% más que hace un año) y EPS de $2.33 básico. Para los primeros 9 meses de 2025, la utilidad neta fue de $11.66M (un 33.3% más) y el EPS de 9M fue de $6.38 básico. Los impulsores clave incluyeron ingresos netos por intereses de $9.98M (3Q25) y un margen de interés neto mejorado (4.51% anualizado a tres meses).
Aspectos destacados del balance: activos totales $904.15M, valores de inversión aumentaron ~$47.1M, préstamos netos $624.8M, depósitos $790.8M, y el valor en libros por acción aumentó a $52.11. Los activos no productivos aumentaron a $4.39M, incluyendo una propiedad reincorporada por $2.9M con la venta prevista para diciembre de 2025.
Century Next Financial Corporation (OTCQX: CTUY) 은 2025년 9월 30일로 끝난 분기의 분기 실적 3Q25 기록을 발표했으며, 순이익 $4.27M (전년 대비 41.3% 증가) 및 주당순이익 EPS $2.33 기본. 9M25에서 순이익은 $11.66M (전년 동기 대비 33.3% 증가) 및 9M EPS는 $6.38 기본. 주요 요인으로는 이자 수익 $9.98M (3Q25) 와 개선된 순이자마진(분기 연환산 4.51%)이 있습니다.
대차대조표 하이라이트: 총자산 $904.15M, 투자증권이 약 $47.1M 증가, 대출 순액 $624.8M, 예금 $790.8M, 주당순가치 장부가가 $52.11로 상승. 부실자산은 증가하여 $4.39M에 도달했고, $2.9M의 재압류 부동산이 2025년 12월 매각 종료 예정.
Century Next Financial Corporation (OTCQX: CTUY) a publié des résultats record du 3T25 pour le trimestre se terminant le 30 septembre 2025, avec un résultat net de 4,27 M$ (en hausse de 41,3% sur un an) et un BPA de 2,33 $ de base. Pour les 9 premiers mois de 2025, le résultat net s’élevait à 11,66 M$ (en hausse de 33,3%) et le BPA des 9M était de 6,38 $ de base. Les moteurs clés comprenaient un revenu net d’intérêts de 9,98 M$ (3Q25) et une marge nette d’intérêts améliorée (4,51% annualisée sur trois mois).
Points forts du bilan : actifs totaux 904,15 M$, les titres d’investissement ont augmenté d’environ 47,1 M$, les prêts nets 624,8 M$, les dépôts 790,8 M$, et la valeur comptable par action a augmenté à 52,11 $. Les actifs improductifs ont augmenté à 4,39 M$, y compris un bien saisi de 2,9 M$ dont la vente est prévue en décembre 2025.
Century Next Financial Corporation (OTCQX: CTUY) meldete Rekordzahlen für das 3Q25-Quartal zum Stichtag 30. September 2025, mit Nettogewinn von 4,27 Mio. $ (0,413 steigend YoY) und EPS von 2,33 $ Grundbetrag. Für die 9M25 betrug der Nettogewinn 11,66 Mio. $ (0,333 höher als Vorjahr) und das 9M-EPS betrug 6,38 $ Basic. Treiber waren unter anderem Nettozinserträge von 9,98 Mio. $ (3Q25) und eine verbesserte Nettozinsmarge (4,51% annualisiert über drei Monate).
Highlights der Bilanz: Gesamtvermögen 904,15 Mio. $, Investitionswerte um ca. 47,1 Mio. $ gestiegen, Nettokredite 624,8 Mio. $, Einlagen 790,8 Mio. $, und der Buchwert je Aktie stieg auf 52,11 $. Nicht erfüllende Vermögenswerte stiegen auf 4,39 Mio. $, einschließlich eines gepfändeten Eigentums im Wert von 2,9 Mio. $ mit voraussichtlichem Verkaufsabschluss im Dez 2025.
Century Next Financial Corporation (OTCQX: CTUY) أعلنت عن نتائج قياسية للربع الثالث 25 (3Q25) للفترة المنتهية في 30 سبتمبر 2025، مع صافي الدخل 4.27 مليون دولار (ارتفاع 41.3% على أساس سنوي) و ربحية السهم 2.33 دولار الأساسية. للـ 9 أشهر 25 كان صافي الدخل $11.66M (ارتفاع 33.3%) و ربح السهم للـ 9 أشهر 6.38 دولار الأساسية. المحركات الرئيسية تضمنت دخل الفوائد الصافي 9.98 مليون دولار (3Q25) وهامش الفوائد الصافي المحسن (4.51% سنوي ثلاثي).
أبرز نقاط الميزانية: إجمالي الأصول 904.15 مليون دولار، ارتفعت أدوات الاستثمار بنحو ~47.1 مليون دولار، القروض الصافية 624.8 مليون دولار، الودائع 790.8 مليون دولار، وقيمة الدفترية للسهم ارتفعت إلى 52.11 دولار. ارتفعت الأصول غير العاملة إلى 4.39 مليون دولار، بما في ذلك عقار مُستولى عليه بقيمة 2.9 مليون دولار مع إغلاق بيع متوقع في ديسمبر 2025.
Century Next Financial Corporation (OTCQX: CTUY) 报告了2025年9月30日止季度的3Q25创纪录业绩，净利润4.27百万美元（同比增长41.3%）以及每股基本收益2.33美元。9M25的净利润为11.66百万美元（同比增长33.3%），9M每股收益为6.38美元基础。主要驱动因素包括净利息收入9.98百万美元（3Q25）以及净利息净差的改善（3个月年化4.51%）。
资产负债表要点：总资产9.0415亿美元，投资证券增加约4710万美元，贷款净额为6.248亿美元，存款为7.908亿美元，每股账面价值上升至52.11美元。不良资产上升至439万美元，包括一处被没收的房产，价值290万美元，预计将于2025年12月完成出售。
- Net income +41.3% three months ended Sep 30, 2025
- Net income +33.3% nine months ended Sep 30, 2025
- Net interest income +17.8% three months; +19.0% nine months
- Net interest margin improved to 4.51% (3-month annualized)
- Investment securities increased ~$47.1M to $145.5M
- Book value per share increased to $52.11
- Nonperforming assets +10.4% to $4.39M at Sep 30, 2025
- Repossession of commercial property valued at $2.9M
RUSTON, La., Oct. 22, 2025 (GLOBE NEWSWIRE) -- Century Next Financial Corporation (the “Company”) (OTCQX: CTUY), the holding company of Century Next Bank, with
Financial Performance
For the three months ended September 30, 2025, the Company had net income after tax of
For the nine months ended September 30, 2025, the Company had net income after tax of
Balance Sheet
Overall, total assets increased by
Total cash and cash equivalents decreased from
Loans, net of deferred fees and costs and allowance for credit losses, including loans held for sale, increased
Deposit growth was strong for the nine months ended September 30, 2025 as total deposits increased by
Total long-term borrowings remained the same at
Income Statement
Net interest income was
Several key operating ratios increased for the three- and nine-month periods ending September 30, 2025 compared to the same periods ending September 30, 2024 as displayed in the following table:
| Three Months Ended September 30 | Nine Months Ended September 30 | ||||||||||||||
| Select Operating Ratios | 2025 | 2024 | 2025 | 2024 | |||||||||||
| Average Yield on Interest-Earning Assets | 6.10 | % | 6.14 | % | 6.01 | % | 6.14 | % | |||||||
| Average Cost of Interest-Bearing Liabilities | 3.08 | % | 3.45 | % | 3.10 | % | 3.41 | % | |||||||
| Net Interest Margin | 4.51 | % | 4.19 | % | 4.39 | % | 4.15 | % | |||||||
The decrease in yield on earning assets and cost of interest-bearing liabilities were both the result of continuing slightly declining rates from new and renewing assets and liabilities over the comparative periods. The net interest margin improved significantly in both the three- and nine-month periods ending September 30, 2025 compared to the same periods in 2024.
For the three months ending September 30, 2025, a provision for credit losses of
Total non-interest income was
Total non-interest expense increased by
The Company’s efficiency ratio, a measure of expense as a percent of total income, decreased substantially to
Other Financial Information
Nonperforming assets, including loans past due 90 days or more, nonaccrual loans, and foreclosed assets, increased from
Allowance for credit losses under CECL was
Company Information
Century Next Financial Corporation is the holding company for Century Next Bank (the “Bank”) which conducts business from its main office in Ruston, Louisiana. The Company was formed in 2010 and is subject to the regulatory oversight of the Board of Governors of the Federal Reserve System. The Bank is a wholly-owned subsidiary and is an insured federally-chartered covered savings association subject to the regulatory oversight of the Office of the Comptroller of the Currency. The Bank was established in 1905 and is headquartered in Ruston, Louisiana. The Bank is a full-service bank with four locations in Louisiana including two banking offices in Ruston, one banking office in Monroe, one banking office in West Monroe, and three locations in Arkansas including two banking offices in Crossett and one banking office in Hamburg. The Bank emphasizes professional and personal banking service directed primarily to small and medium-sized businesses, professionals, and individuals. The Bank provides a full range of banking services including its primary business of real estate lending to residential and commercial customers.
Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like “believe,” “expect,” “anticipate,” “estimate,” and “intend” or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” We undertake no obligation to update any forward-looking statements
Century Next Financial Corporation and Subsidiary
Condensed Consolidated Balance Sheets (unaudited)
(In thousands, except per share data)
| December 31 | ||||||
| September 30, 2025 | December 31, 2024 | |||||
| ASSETS | ||||||
| Cash and cash equivalents | $ | 92,062 | $ | 125,675 | ||
| Investment securities | 146,436 | 100,623 | ||||
| Loans, net | 624,837 | 605,439 | ||||
| Other assets | 40,811 | 37,663 | ||||
| TOTAL ASSETS | $ | 904,146 | $ | 869,400 | ||
| LIABILITIES AND STOCKHOLDERS' EQUITY | ||||||
| Deposits | $ | 790,763 | $ | 770,710 | ||
| Long-term borrowings | 8,454 | 8,454 | ||||
| Other liabilities | 8,361 | 7,174 | ||||
| Total Liabilities | 807,578 | 786,338 | ||||
| Stockholders' equity | 96,568 | 83,062 | ||||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $ | 904,146 | $ | 869,400 | ||
| Book Value per share | $ | 52.11 | $ | 45.10 | ||
| Tangible Book Value per share | $ | 50.50 | $ | 43.38 | ||
Century Next Financial Corporation and Subsidiary
Consolidated Statements of Income (unaudited)
(In thousands, except per share data)
| Three Months Ended September 30 | Nine Months Ended September 30 | ||||||||||||||
| 2025 | 2024 | 2025 | 2024 | ||||||||||||
| Interest Income | $ | 13,505 | $ | 12,412 | $ | 39,373 | $ | 35,842 | |||||||
| Interest Expense | 3,528 | 3,941 | 10,577 | 11,651 | |||||||||||
| Net Interest Income | 9,977 | 8,471 | 28,796 | 24,191 | |||||||||||
| Provision for Credit Losses | 265 | 270 | 563 | 420 | |||||||||||
| Net Interest Income after Provision for Credit Losses | 9,712 | 8,201 | 28,233 | 23,771 | |||||||||||
| Noninterest Income | 1,146 | 846 | 2,832 | 2,571 | |||||||||||
| Noninterest Expense | 5,557 | 5,253 | 16,437 | 15,433 | |||||||||||
| Income Before Taxes | 5,301 | 3,794 | 14,628 | 10,909 | |||||||||||
| Provision For Income Taxes | 1,031 | 773 | 2,970 | 2,163 | |||||||||||
| NET INCOME | $ | 4,270 | $ | 3,021 | $ | 11,658 | $ | 8,746 | |||||||
| EARNINGS PER SHARE | |||||||||||||||
| Basic | $ | 2.33 | $ | 1.67 | $ | 6.38 | $ | 4.85 | |||||||
| Diluted | $ | 2.30 | $ | 1.67 | $ | 6.31 | $ | 4.85 | |||||||
| Key Ratios: | |||||||||||||||
| Annualized Return on Average Assets | 1.71 | % | 1.44 | % | |||||||||||
| Annualized Return on Average Equity | 17.44 | % | 15.31 | % | |||||||||||
| Annualized Net Interest Margin | 4.39 | % | 4.15 | % | |||||||||||
| Efficiency Ratio | 51.97 | % | 57.67 | % | |||||||||||
| Three Months Ended September 30 | Nine Months Ended September 30 | ||||||||||||||
| Select Operating Ratios | 2025 | 2024 | 2025 | 2024 | |||||||||||
| Average Yield on Interest-Earning Assets | 6.10 | % | 6.14 | % | 6.01 | % | 6.14 | % | |||||||
| Average Cost of Interest-Bearing Liabilities | 3.08 | % | 3.45 | % | 3.10 | % | 3.41 | % | |||||||
| Net Interest Margin | 4.51 | % | 4.19 | % | 4.39 | % | 4.15 | % | |||||||
Century Next Financial Corporation Contact Information:
William D. Hogan, President & Chief Executive Officer or
Mark A. Taylor, CPA CGMA, Executive Vice President & Chief Financial Officer
(318) 255-3733
Company Website: www.cnext.bank
FAQ
What were Century Next (CTUY) 3Q25 net income and EPS?
How did Century Next (CTUY) net interest income perform in 3Q25?
What is Century Next (CTUY) total assets and book value per share at Sep 30, 2025?
How much did Century Next (CTUY) increase its investment securities in 9M25?
Did Century Next (CTUY) report any asset quality changes in 3Q25?
How did Century Next (CTUY) efficiency ratio change in 9M25?
