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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