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Century Bank

Santa Fe, NM · Cert 28362 · Century Finl Services Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Century Bank

Santa Fe, NM · Cert 28362 · Century Finl Services Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.4BAssets
$845.0MLoans
$1.2BDeposits
$119.6MEquity
Loan mix
50%RE $411.2M41%C&I $335.2M8%Consumer $68.2MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $892.4M27%Noninterest $335.9MQ2 2025Q2 2026

NIM

5.32%Q2 ’244.95%Q2 ’254.96%Q2 ’26+1%+5%

Non-interest income vs. expense

2.94%Q2 ’243.10%Q2 ’253.66%Q2 ’26+4%+23%

Market Position · Santa Fe, NM · 2026 SOD (annual) · 13.1% share · #4 of 11 inst. · $0.6B of $4.8B

13.1% Santa Fe
51.0% Rio Arriba
1.0% Bernalillo
8.9% Los Alamos

Executive Summary

  • Earnings: ROA of 0.75%, up 131 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 1.07% of loans (-252 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.25%, up 148 bps from a year ago.
  • Funding: loans stand at 68.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+131 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+18 bps YoY

Efficiency Ratio (YTD, annualized)

78.44%+938 bps YoY

Tier 1 Leverage Ratio

10.25%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.57%0.41%0.49%0.69%0.75%+131 bps
Return on Equity-7.50%5.20%6.16%7.89%8.51%+1,601 bps
Net Interest Margin3.86%4.05%4.21%3.98%4.05%+18 bps
Efficiency Ratio69.06%70.29%70.94%79.18%78.44%+938 bps
Non-Interest Burden2.48%2.66%2.81%3.03%3.04%+56 bps
Growth
Asset Growth (YoY)-1.63%-8.62%-9.02%-5.83%-4.82%-318 bps
Loan Growth (YoY)-5.21%-4.35%1.98%1.10%0.12%+533 bps
Deposit Growth (YoY)-1.56%-9.30%-10.48%-6.68%-6.40%-484 bps
Asset Quality
Nonperforming Loans / Loans3.59%1.05%1.13%1.22%1.07%-252 bps
Net Charge-Offs / Loans0.03%1.61%1.59%0.00%0.01%-2 bps
Allowance / Loans3.03%1.39%1.11%1.19%1.17%-186 bps
Allowance Coverage of NPLs0.8x1.3x1.0x1.0x1.1x+0.3x
Capital
Tier 1 Leverage Ratio8.77%9.60%9.90%10.19%10.25%+148 bps
Total Risk-Based Capital12.85%14.18%13.82%14.05%13.91%+107 bps
Equity / Assets7.39%8.58%8.75%8.82%8.79%+140 bps
Liquidity & Funding
Loans / Deposits64.32%66.34%68.55%67.76%68.80%+448 bps
Liquid Assets / Assets20.36%20.31%19.09%19.61%19.18%-118 bps
CRE / Total Capitaln/a270%261%247%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Century Bank

Santa Fe, NM · Cert 28362 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Century Finl Services Corp.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.4BAssets
$845.0MLoans
$1.2BDeposits
$119.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks $1B-$10B in assets operating in a single state (rank 41 of 267).
  • Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets operating in a single state (rank 239 of 266).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.74%

Rank 229 of 267

Net Interest Margin

4.05%

Rank 41 of 267

Efficiency Ratio

78.44%

Rank 239 of 266

Equity / Assets

8.79%

Rank 223 of 267

Non-interest income vs. expense

$8.4M$49.2MINCOMEEXPENSE
Unfavorable gap of $40.8M · efficiency ratio beats 11% of banks $1B-$10B in assets operating in a single state
Bank 78.44%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.93%1.23%1.55%Beats 14%229 / 267
Return on Equity8.44%9.16%11.84%14.56%Beats 20%213 / 267
Net Interest Margin4.05%3.12%3.50%3.88%Beats 85%41 / 267
Efficiency Ratio78.44%51.36%60.21%69.66%Beats 11%239 / 266
Asset Quality
Nonperforming Loans / Loans1.07%0.19%0.46%0.89%Beats 19%219 / 267
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 80%55 / 267
Capital
Tier 1 Capital Ratio12.85%11.29%13.05%15.13%Beats 47%142 / 267
Total Risk-Based Capital Ratio13.91%11.95%13.87%16.27%Beats 50%133 / 267
Equity / Assets8.79%9.18%10.29%11.76%Beats 16%223 / 267
Liquidity & Funding
Loans / Deposits68.80%72.68%86.16%95.22%18th pctl220 / 267
Loans / Assets62.12%62.46%71.96%78.38%24th pctl204 / 267
Brokered Deposits / Depositsn/aNot reported for this institution