Core Viewpoint - Century Next Financial Corporation reported strong financial performance for the year ended December 31, 2025, with record net income and improved net interest margin, reflecting successful asset deployment strategies and enhanced customer offerings [2][3]. Financial Performance - Net income after tax for 2025 was $15.53 million, an increase of $3.38 million or 27.9% from $12.14 million in 2024 [2]. - Earnings per share (EPS) rose to $8.48 for basic and $8.34 for diluted shares, compared to $6.72 and $6.69 respectively in 2024 [2]. Balance Sheet - Total assets increased by $7.5 million or 0.9% to $876.9 million at December 31, 2025, up from $869.4 million in 2024 [4]. - Cash and cash equivalents decreased significantly by $77.4 million or 61.6% to $48.3 million, while investment securities increased by $43.6 million to $142.1 million [5]. Loans and Deposits - Net loans increased by $39.5 million or 6.5% to $644.9 million, with notable growth in residential and commercial real estate loans [6]. - Total deposits decreased by $11.9 million or 1.5% to $758.9 million, although the average total deposits balance increased by $69.6 million or 9.5% year-over-year [7]. Income Statement - Net interest income rose to $38.6 million, an increase of $5.6 million or 17% from $33.0 million in 2024 [9]. - Total non-interest income increased by $234,000 or 6.9% to $3.6 million, driven by gains on foreclosed assets and other non-interest income [12]. Efficiency and Ratios - The efficiency ratio improved to 52.91% from 57.45% in 2024, primarily due to increased net interest income [13]. - Return on average assets was 1.71%, up from 1.47%, and return on average equity increased to 16.93% from 15.58% [16]. Other Financial Information - Nonperforming assets increased to $4.21 million, representing 0.48% of total assets, up from 0.46% in 2024 [14]. - The allowance for credit losses was $6.93 million or 1.06% of total loans, compared to $6.54 million or 1.07% in 2024 [15].

Core Viewpoint - Century Next Financial Corporation reported strong financial performance for the third quarter and nine months ended September 30, 2025, with significant increases in net income and earnings per share compared to the same periods in 2024 [2][3]. Financial Performance - For Q3 2025, net income after tax was $4.27 million, up 41.3% from $3.02 million in Q3 2024 [2]. - Earnings per share (EPS) for Q3 2025 were $2.33 (basic) and $2.30 (diluted), compared to $1.67 for both in Q3 2024 [2]. - For the nine months ended September 30, 2025, net income was $11.66 million, a 33.3% increase from $8.75 million in the same period of 2024 [3]. - EPS for the nine months ended September 30, 2025 were $6.38 (basic) and $6.31 (diluted), compared to $4.85 for both in the same period of 2024 [3]. Balance Sheet - Total assets increased by $34.75 million or 4.0% to $904.15 million as of September 30, 2025, compared to $869.4 million at December 31, 2024 [4]. - Cash and cash equivalents decreased by $33.6 million or 26.7% to $92.1 million [5]. - Investment securities increased by $47.1 million to $145.5 million, enhancing the Company's liquidity position [5]. Loans and Deposits - Net loans increased by $19.4 million or 3.20% to $624.8 million as of September 30, 2025 [6]. - Total deposits rose by $20.1 million or 2.6% to $790.8 million [7]. Income Statement - Net interest income for Q3 2025 was $9.98 million, an increase of 17.8% from $8.5 million in Q3 2024 [9]. - Total non-interest income for Q3 2025 was $1.15 million, up 35.5% from $846,000 in Q3 2024 [13]. - Total non-interest expense increased by $304,000 or 5.8% to $5.56 million for Q3 2025 [14]. Efficiency and Ratios - The efficiency ratio improved to 49.96% for Q3 2025 from 56.38% in Q3 2024 [15]. - The net interest margin increased to 4.51% for Q3 2025 compared to 4.19% in Q3 2024 [11]. Other Financial Information - Nonperforming assets increased to $4.39 million as of September 30, 2025, from $3.98 million at December 31, 2024 [16]. - The allowance for credit losses was $6.91 million or 1.09% of total loans as of September 30, 2025 [17].

Core Viewpoint - Century Next Financial Corporation reported strong financial performance for the second quarter of 2025, with significant increases in net income and earnings per share compared to the same period in 2024, indicating robust growth and improved operational efficiency [2][3]. Financial Performance - For Q2 2025, net income after tax was $3.94 million, up from $3.06 million in Q2 2024, representing a 28.5% increase [2]. - Earnings per share (EPS) for Q2 2025 were $2.16 (basic) and $2.14 (diluted), compared to $1.70 for both in Q2 2024 [2]. - For the first half of 2025, net income was $7.39 million, an increase of 29.0% from $5.73 million in the same period of 2024 [3]. - EPS for the first half of 2025 were $4.05 (basic) and $4.02 (diluted), compared to $3.18 for both in the first half of 2024 [3]. Balance Sheet - Total assets increased by $54.2 million or 6.24% to $923.6 million as of June 30, 2025, compared to $869.4 million at the end of 2024 [4]. - Cash and cash equivalents rose from $125.7 million to $130.8 million, a 4.08% increase [5]. - Investment securities increased by $37.5 million to $136 million [5]. Loans and Deposits - Net loans increased by $12.5 million or 2.07% to $618 million as of June 30, 2025 [6]. - Total deposits grew by $45.9 million or 6% to $816.6 million [7]. Income Statement - Net interest income for Q2 2025 was $9.73 million, up from $8.12 million in Q2 2024, a 19.8% increase [9]. - Total non-interest income for Q2 2025 was $916,000, slightly up from $914,000 in Q2 2024 [13]. - Total non-interest expense increased by $416,000 or 8.2% to $5.47 million for Q2 2025 [14]. Efficiency and Ratios - The efficiency ratio improved to 51.35% for Q2 2025 from 55.90% in Q2 2024, indicating better cost management [15]. - The annualized return on average assets was 1.63% for Q2 2025, compared to 1.44% for Q2 2024 [21]. Other Financial Information - Nonperforming assets decreased from $3.98 million at the end of 2024 to $3.38 million as of June 30, 2025 [16]. - The allowance for credit losses was $6.6 million or 1.06% of total loans as of June 30, 2025 [17].

Core Viewpoint Century Next Financial Corporation reported strong financial results for the second quarter and first half of 2025, showcasing significant increases in net income and earnings per share, alongside growth in total assets and deposits, indicating a robust financial position and operational performance. Financial Performance - For Q2 2025, net income after tax was $3.94 million, up from $3.06 million in Q2 2024, representing a 28.5% increase [2] - Earnings per share (EPS) for Q2 2025 were $2.16 basic and $2.14 diluted, compared to $1.70 for both in Q2 2024 [2] - For the first half of 2025, net income was $7.39 million, an increase of 29.0% from $5.73 million in the same period of 2024 [3] - EPS for the first half of 2025 were $4.05 basic and $4.02 diluted, compared to $3.18 for both in the first half of 2024 [3] Balance Sheet - Total assets increased by $54.2 million or 6.24% to $923.6 million as of June 30, 2025, compared to $869.4 million at December 31, 2024 [4] - Cash and cash equivalents rose from $125.7 million to $130.8 million, a 4.08% increase [5] - Investment securities increased by $37.5 million to $136 million [5] Loans and Deposits - Net loans increased by $12.5 million or 2.07% to $618 million as of June 30, 2025 [6] - Total deposits grew by $45.9 million or 6% to $816.6 million [7] Income Statement - Net interest income for Q2 2025 was $9.73 million, up from $8.12 million in Q2 2024, a 19.8% increase [9] - Total non-interest income for Q2 2025 was $916,000, slightly up from $914,000 in Q2 2024 [13] - Total non-interest expense increased by $416,000 or 8.2% to $5.47 million for Q2 2025 [14] Efficiency and Ratios - The efficiency ratio improved to 51.35% for Q2 2025 from 55.90% in Q2 2024 [15] - The net interest margin improved to 4.40% for Q2 2025 compared to 4.16% in Q2 2024 [11] Other Financial Information - Nonperforming assets decreased from $3.98 million to $3.38 million, representing 0.37% of total assets as of June 30, 2025 [16] - The allowance for credit losses was $6.6 million or 1.06% of total loans [17]

Financial Performance - The Company reported a net income after tax of $3.45 million for Q1 2025, an increase of $790,000 or 29.7% compared to $2.66 million in Q1 2024 [2] - Earnings per share (EPS) for Q1 2025 were $1.89 basic and $1.88 diluted, compared to $1.48 for both in Q1 2024 [2] Balance Sheet - Total assets increased by $40.3 million or 4.6% to $909.7 million as of March 31, 2025, from $869.4 million at December 31, 2024 [3] - Cash and cash equivalents rose by $20.5 million or 16.3% to $146.2 million, while investment securities increased by $10.9 million to $109.4 million [4] Loans and Deposits - Net loans increased by $10.8 million or 1.8% to $616.2 million as of March 31, 2025, with notable increases in commercial non-real estate loans and residential construction loans [5] - Total deposits rose by $35.0 million or 4.5% to $805.7 million, driven by a $46.1 million increase in noninterest-bearing checking accounts [6] Income Statement - Net interest income for Q1 2025 was $9.1 million, up $1.5 million or 19.6% from $7.6 million in Q1 2024 [8] - Total non-interest income decreased by $41,000 or 5.1% to $770,000, primarily due to a decline in income from the origination and sale of residential loans [10] Expenses and Efficiency - Total non-interest expense increased by $284,000 or 5.5% to $5.4 million, with salaries and employee benefits being the largest contributor [11] - The efficiency ratio improved to 54.90% for Q1 2025 from 60.99% in Q1 2024, driven by increased net interest income [12] Other Financial Information - Nonperforming assets decreased from $3.98 million at December 31, 2024, to $3.76 million at March 31, 2025, representing 0.41% of total assets [13] - The allowance for credit losses was $6.63 million or 1.06% of total loans as of March 31, 2025, compared to $6.07 million or 1.01% a year earlier [14] Dividend Declaration - The Board of Directors approved a cash dividend of $0.75 per share, payable on June 5, 2025, to shareholders of record as of May 22, 2025 [15] Company Information - Century Next Financial Corporation is the holding company for Century Next Bank, which operates primarily in Louisiana and Arkansas, focusing on small and medium-sized businesses and individuals [16]