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
Unfavorable gap of $40.8M · efficiency ratio beats 11% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.93% | 1.23% | 1.55% | Beats 14% | 229 / 267 | |
| Return on Equity | 8.44% | 9.16% | 11.84% | 14.56% | Beats 20% | 213 / 267 | |
| Net Interest Margin | 4.05% | 3.12% | 3.50% | 3.88% | Beats 85% | 41 / 267 | |
| Efficiency Ratio | 78.44% | 51.36% | 60.21% | 69.66% | Beats 11% | 239 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.46% | 0.89% | Beats 19% | 219 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 80% | 55 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.29% | 13.05% | 15.13% | Beats 47% | 142 / 267 | |
| Total Risk-Based Capital Ratio | 13.91% | 11.95% | 13.87% | 16.27% | Beats 50% | 133 / 267 | |
| Equity / Assets | 8.79% | 9.18% | 10.29% | 11.76% | Beats 16% | 223 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 68.80% | 72.68% | 86.16% | 95.22% | 18th pctl | 220 / 267 | |
| Loans / Assets | 62.12% | 62.46% | 71.96% | 78.38% | 24th pctl | 204 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |