Century Bank
Santa Fe, NM · Cert 28362 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 258).
- Widest gap: efficiency ratio trails 90% of banks $1B-$10B in assets operating in a single state (rank 232 of 257).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.74%
Rank 222 of 258
Net Interest Margin
4.05%
Rank 42 of 258
Efficiency Ratio
78.44%
Rank 232 of 257
Equity / Assets
8.79%
Rank 210 of 258
Non-interest income vs. expense
Unfavorable gap of $40.8M · efficiency ratio beats 10% of banks $1B-$10B in assets operating in a single state | 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% | 222 / 258 | | |
| Return on Equity | 8.44% | 9.26% | 11.84% | 14.74% | Beats 20% | 207 / 258 | | |
| Net Interest Margin | 4.05% | 3.16% | 3.49% | 3.88% | Beats 84% | 42 / 258 | | |
| Efficiency Ratio | 78.44% | 51.71% | 60.30% | 69.65% | Beats 10% | 232 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.46% | 0.90% | Beats 20% | 208 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 78% | 57 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.85% | 11.41% | 12.98% | 15.12% | Beats 47% | 136 / 258 | | |
| Total Risk-Based Capital Ratio | 13.91% | 12.10% | 13.91% | 16.08% | Beats 50% | 129 / 258 | | |
| Equity / Assets | 8.79% | 9.09% | 10.24% | 11.72% | Beats 19% | 210 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.80% | 73.24% | 86.34% | 95.95% | 17th pctl | 213 / 258 | | |
| Loans / Assets | 62.12% | 63.01% | 72.27% | 78.40% | 23rd pctl | 199 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |