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Century Savings and Loan Association

Trinidad, CO · Cert 28860

SL · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century Savings and Loan Association

Trinidad, CO · Cert 28860

SL · FDIC · 1 branch

Q2 2026

$75.3MAssets
$39.3MLoans
$62.0MDeposits
$10.5MEquity
Loan mix
99%RE $39.4M0%C&I $0.0M1%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $60.6M2%Noninterest $1.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.10%, up 37 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.50% of loans (-41 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 16.43%, down 149 bps from a year ago.
  • Funding: loans stand at 63.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+57 bps YoY

Efficiency Ratio (YTD, annualized)

97.73%-2,096 bps YoY

Tier 1 Leverage Ratio

16.43%-149 bps YoY

NIM

2.97%Q2 ’243.11%Q2 ’253.75%Q2 ’26-7%+28%

Non-interest income vs. expense

2.56%Q2 ’242.52%Q2 ’252.64%Q2 ’26+0%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.32%-0.17%-0.26%-0.28%-1.67%-1.23%-0.04%0.10%+37 bps
Return on Equity-2.50%-1.35%-1.90%-2.04%-12.02%-8.77%-0.30%0.67%+271 bps
Net Interest Margin2.10%2.09%1.99%2.01%2.09%2.21%2.60%2.58%+57 bps
Efficiency Ratio114.19%114.24%118.90%118.70%118.49%108.53%101.71%97.73%-2,096 bps
Non-Interest Burden2.42%2.41%2.39%2.41%2.50%2.41%2.65%2.52%+12 bps
Growth
Asset Growth (YoY)-1.39%-10.12%0.76%-1.31%-0.39%1.43%0.49%0.90%+222 bps
Loan Growth (YoY)12.36%10.54%4.96%-0.50%-2.49%-1.90%0.07%-1.14%-64 bps
Deposit Growth (YoY)-6.16%-14.30%-0.46%1.49%-9.36%0.00%0.23%1.01%-48 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.70%0.95%0.92%0.73%0.69%0.47%0.50%-41 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.13%0.08%0.07%0.01%-0.05%-18 bps
Allowance / Loans1.09%0.78%0.77%0.73%0.68%0.68%0.67%0.65%-7 bps
Allowance Coverage of NPLs1.5x1.1x0.8x0.8x0.9x1.0x1.4x1.3x+0.5x
Capital
Tier 1 Leverage Ratio17.76%17.94%17.69%17.92%16.92%16.56%16.55%16.43%-149 bps
Total Risk-Based Capital17.76%17.94%17.69%17.92%16.92%16.56%16.55%16.43%-149 bps
Equity / Assets14.14%13.07%13.85%14.00%14.76%14.28%14.07%14.00%0 bps
Liquidity & Funding
Loans / Deposits65.63%65.61%64.05%64.71%70.60%64.37%63.95%63.34%-137 bps
Liquid Assets / Assets1.42%1.50%1.50%1.63%1.08%1.62%1.46%1.67%+4 bps
CRE / Total Capitaln/an/an/an/a53.19%58.08%42.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Century Savings and Loan Association

Trinidad, CO · Cert 28860 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · FDIC · 1 branch

Q2 2026

$75.3MAssets
$39.3MLoans
$62.0MDeposits
$10.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks under $1B in assets operating in a single state (rank 140 of 746).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets operating in a single state (rank 722 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.10%

Rank 708 of 746

Net Interest Margin

2.58%

Rank 689 of 746

Efficiency Ratio

97.73%

Rank 722 of 746

Equity / Assets

14.00%

Rank 140 of 746

Non-interest income vs. expense

$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 3% of banks under $1B in assets operating in a single state
Bank 97.73%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.10%0.72%1.06%1.45%Beats 5%708 / 746
Return on Equity0.68%6.74%10.51%13.63%Beats 5%712 / 746
Net Interest Margin2.58%3.17%3.68%4.16%Beats 8%689 / 746
Efficiency Ratio97.73%55.74%64.58%75.47%Beats 3%722 / 746
Asset Quality
Nonperforming Loans / Loans0.50%0.09%0.42%1.07%Beats 45%407 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%263 / 743
Capital
Tier 1 Capital Ratio16.43%11.55%13.75%17.60%Beats 70%225 / 746
Total Risk-Based Capital Ratio16.43%11.71%14.33%18.43%Beats 66%251 / 746
Equity / Assets14.00%8.90%10.51%13.06%Beats 81%140 / 746
Liquidity & Funding
Loans / Deposits63.34%61.31%78.27%90.78%27th pctl544 / 746
Loans / Assets52.13%53.60%66.97%76.08%23rd pctl578 / 746
Brokered Deposits / Depositsn/aNot reported for this institution