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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | -0.28% | 0.95% | -2.36% | 2.16% | 0.76% | 0.69% | 0.80% | +317 bps | |
| Return on Equity | 9.03% | -3.71% | 12.45% | -30.73% | 27.09% | 8.75% | 7.89% | 9.11% | +3,984 bps | |
| Net Interest Margin | 3.70% | 3.69% | 3.73% | 3.96% | 4.26% | 4.18% | 3.98% | 4.10% | +14 bps | |
| Efficiency Ratio | 71.90% | 66.42% | 72.15% | 66.04% | 72.61% | 72.97% | 79.18% | 77.72% | +1,168 bps | |
| Non-Interest Burden | 2.52% | 2.27% | 2.51% | 2.42% | 2.94% | 2.92% | 3.03% | 3.04% | +62 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 | 2.63% | 3.46% | 0.02% | 0.04% | 4.77% | 1.58% | 0.00% | 0.01% | -3 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 | |