Century Next Financial Corporation Reports Strong 2025 Year-End Results
Rhea-AI Summary
Century Next Financial (OTCQX: CTUY) reported full-year 2025 results with net income $15.53M vs $12.14M in 2024, a 27.9% increase, and EPS $8.48 basic / $8.34 diluted. Total assets were $876.9M at Dec 31, 2025, up 0.9% year-over-year. Net interest income rose to $38.63M (+17%) driven by higher interest income and lower interest expense, lifting net interest margin to 4.41% from 4.16% in 2024. Loans, net increased to $644.9M (+6.5%) and investment securities grew to $143.0M. Efficiency ratio improved to 52.91% and return on average equity rose to 16.93%. Allowance for credit losses was $6.93M (1.06% of loans) and nonperforming assets were 0.48% of assets.
Positive
- Net income +27.9% to $15.53M
- Net interest margin improved to 4.41%
- Loans outstanding +6.5% to $644.9M
- Efficiency ratio improved to 52.91%
- Book value per share increased to $54.16
Negative
- Cash and cash equivalents down 61.6% to $48.3M
- Noninterest expense increased 6.9% to $22.36M
- Nonperforming assets increased to $4.21M (0.48% of assets)
- Net charge-offs were $175,000 in 2025 vs net recoveries in 2024
News Market Reaction
On the day this news was published, CTUY gained 0.85%, reflecting a mild positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
RUSTON, La., Jan. 23, 2026 (GLOBE NEWSWIRE) -- Century Next Financial Corporation (the “Company”) (OTCQX: CTUY), the holding company of Century Next Bank, with
Financial Performance
For the year ended December 31, 2025, the Company had net income after tax of
Bill Hogan, President & CEO commented, “This year’s performance was outstanding and exceeded our expectations in many areas. Net income set another all-time record for the Company. In addition, the net interest margin increased strongly. We are so proud of our Team! Our focus in 2025 was deploying our assets with the right mix to improve earnings for our shareholders. We were definitely successful in achieving this focus. At the same time, we worked to provide more opportunity for customers through access to lending and a greater choice in deposit products. Our Priority Checking, for those customers looking for a better return on their deposits, was the star of the deposit lineup with strong growth in 2025. We are ready as we enter 2026 to continue improving in all areas and providing great service to our customers while building more value for our shareholders.”
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
Total deposits at December 31, 2025 decreased by
Total long-term borrowings remained the same at
Income Statement
Net interest income was
The following table shows key operating ratios for the year ending December 31, 2025 compared to the year ending December 31, 2024 as displayed in the following table:
| Years Ended December 31 | ||||||||
| Select Operating Ratios | 2025 | 2024 | ||||||
| Average Yield on Interest-Earning Assets | 6.00 | % | 6.12 | % | ||||
| Average Cost of Interest-Bearing Liabilities | 3.05 | % | 3.38 | % | ||||
| Net Interest Margin | 4.41 | % | 4.16 | % | ||||
As shown in the table above, the year-over-year decrease in yield on earning assets and cost of interest-bearing liabilities were both the result of declining rates from new and renewing assets and liabilities over the comparative periods. The net interest margin improved significantly for the year ending December 31, 2025 compared to the year ending December 31, 2024.
For the year ending December 31, 2025, a provision for credit losses of
Total non-interest income amounted to
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 other foreclosed assets, increased from
Allowance for credit losses under CECL was
Key Performance Ratios
Return on average assets 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 | |||||
| 2025 | 2024 | ||||
| ASSETS | |||||
| Cash and cash equivalents | $ | 48,298 | $ | 125,675 | |
| Investment securities | 143,017 | 100,623 | |||
| Loans, net | 644,907 | 605,439 | |||
| Other assets | 40,694 | 37,663 | |||
| TOTAL ASSETS | $ | 876,916 | $ | 869,400 | |
| LIABILITIES AND STOCKHOLDERS' EQUITY | |||||
| Deposits | $ | 758,857 | $ | 770,710 | |
| Long-term borrowings | 8,454 | 8,454 | |||
| Other liabilities | 8,634 | 7,174 | |||
| Total Liabilities | 775,945 | 786,338 | |||
| Stockholders' equity | 100,971 | 83,062 | |||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $ | 876,916 | $ | 869,400 | |
| Book Value per share | $ | 54.16 | $ | 45.10 | |
| Tangible Book Value per share | $ | 52.59 | $ | 43.38 | |
| Century Next Financial Corporation and Subsidiary Consolidated Statements of Income (unaudited) | ||||||||
| (In thousands, except per share data) | ||||||||
| Years Ended December 31 | ||||||||
| 2025 | 2024 | |||||||
| Interest Income | $ | 52,580 | $ | 48,492 | ||||
| Interest Expense | 13,953 | 15,480 | ||||||
| Net Interest Income | 38,627 | 33,012 | ||||||
| Provision for Credit Losses | 563 | 420 | ||||||
| Net Interest Income after Provision for Credit Losses | 38,064 | 32,592 | ||||||
| Noninterest Income | 3,634 | 3,400 | ||||||
| Noninterest Expense | 22,359 | 20,920 | ||||||
| Income Before Taxes | 19,339 | 15,072 | ||||||
| Provision For Income Taxes | 3,811 | 2,928 | ||||||
| NET INCOME | $ | 15,528 | $ | 12,144 | ||||
| EARNINGS PER SHARE | ||||||||
| Basic | $ | 8.48 | $ | 6.72 | ||||
| Diluted | $ | 8.34 | $ | 6.69 | ||||
| Key Ratios: | ||||||||
| Annualized Return on Average Assets | 1.71 | % | 1.47 | % | ||||
| Annualized Return on Average Equity | 16.93 | % | 15.58 | % | ||||
| Annualized Net Interest Margin | 4.41 | % | 4.16 | % | ||||
| Efficiency Ratio | 52.91 | % | 57.45 | % | ||||
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 Financial (CTUY) full-year 2025 net income and EPS?
How did Century Next's net interest margin (NIM) change in 2025 for CTUY?
What was Century Next Financial's total assets and loan growth at Dec 31, 2025 (CTUY)?
Did Century Next (CTUY) report any significant credit metric changes in 2025?
How did Century Next's efficiency ratio and return on equity perform in 2025 (CTUY)?
