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
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.
Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
49
Profitability
39
Liquidity
21
Efficiency
10
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.
Santa Fe, NM · Cert 28362 · Century Finl Services Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Santa Fe, NM · 2026 SOD (annual) · 13.1% share · #4 of 11 inst. · $0.6B of $4.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.41% | 0.95% | -0.57% | 0.41% | 0.49% | 0.69% | 0.75% | +131 bps | |
| Return on Equity | 8.41% | 5.56% | 12.45% | -7.50% | 5.20% | 6.16% | 7.89% | 8.51% | +1,601 bps | |
| Net Interest Margin | 3.74% | 3.70% | 3.73% | 3.86% | 4.05% | 4.21% | 3.98% | 4.05% | +18 bps | |
| Efficiency Ratio | 68.21% | 67.76% | 72.15% | 69.06% | 70.29% | 70.94% | 79.18% | 78.44% | +938 bps | |
| Non-Interest Burden | 2.39% | 2.34% | 2.51% | 2.48% | 2.66% | 2.81% | 3.03% | 3.04% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.10% | 7.25% | 0.14% | -1.63% | -8.62% | -9.02% | -5.83% | -4.82% | -318 bps | |
| Loan Growth (YoY) | -5.65% | -12.14% | -11.86% | -5.21% | -4.35% | 1.98% | 1.10% | 0.12% | +533 bps | |
| Deposit Growth (YoY) | 8.56% | 8.29% | 0.50% | -1.56% | -9.30% | -10.48% | -6.68% | -6.40% | -484 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.24% | 2.29% | 2.25% | 3.59% | 1.05% | 1.13% | 1.22% | 1.07% | -252 bps | |
| Net Charge-Offs / Loans | 1.59% | 2.12% | 0.02% | 0.03% | 1.61% | 1.59% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.49% | 3.03% | 1.39% | 1.11% | 1.19% | 1.17% | -186 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.7x | 0.7x | 0.8x | 1.3x | 1.0x | 1.0x | 1.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 8.86% | 9.40% | 8.77% | 9.60% | 9.90% | 10.19% | 10.25% | +148 bps | |
| Total Risk-Based Capital | 13.43% | 13.86% | 14.18% | 12.85% | 14.18% | 13.82% | 14.05% | 13.91% | +107 bps | |
| Equity / Assets | 7.63% | 7.24% | 8.00% | 7.39% | 8.58% | 8.75% | 8.82% | 8.79% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.90% | 60.17% | 62.55% | 64.32% | 66.34% | 68.55% | 67.76% | 68.80% | +448 bps | |
| Liquid Assets / Assets | 21.44% | 23.63% | 21.47% | 20.36% | 20.31% | 19.09% | 19.61% | 19.18% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 261% | 247% | n/a | n/a | |
Santa Fe, NM · Cert 28362 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Century Finl Services Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.74%
Rank 231 of 269
Net Interest Margin
4.05%
Rank 42 of 269
Efficiency Ratio
78.44%
Rank 242 of 268
Equity / Assets
8.79%
Rank 225 of 269
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.93% | 1.23% | 1.54% | Beats 14% | 231 / 269 | ||
| Return on Equity | 8.44% | 9.13% | 11.77% | 14.52% | Beats 20% | 214 / 269 | ||
| Net Interest Margin | 4.05% | 3.16% | 3.50% | 3.88% | Beats 84% | 42 / 269 | ||
| Efficiency Ratio | 78.44% | 51.70% | 60.21% | 69.66% | Beats 10% | 242 / 268 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.45% | 0.89% | Beats 19% | 219 / 269 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 78% | 60 / 269 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.85% | 11.29% | 13.10% | 15.21% | Beats 46% | 144 / 269 | ||
| Total Risk-Based Capital Ratio | 13.91% | 12.04% | 13.91% | 16.33% | Beats 50% | 135 / 269 | ||
| Equity / Assets | 8.79% | 9.18% | 10.29% | 11.76% | Beats 16% | 225 / 269 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.80% | 72.68% | 86.29% | 95.72% | 18th pctl | 221 / 269 | ||
| Loans / Assets | 62.12% | 62.46% | 72.27% | 78.37% | 24th pctl | 205 / 269 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||