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
Unfavorable gap of $2.0M · efficiency ratio beats 3% of banks under $1B 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 | 0.10% | 0.72% | 1.06% | 1.45% | Beats 5% | 708 / 746 | | |
| Return on Equity | 0.68% | 6.74% | 10.51% | 13.63% | Beats 5% | 712 / 746 | | |
| Net Interest Margin | 2.58% | 3.17% | 3.68% | 4.16% | Beats 8% | 689 / 746 | | |
| Efficiency Ratio | 97.73% | 55.74% | 64.58% | 75.47% | Beats 3% | 722 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.09% | 0.42% | 1.07% | Beats 45% | 407 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 263 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.43% | 11.55% | 13.75% | 17.60% | Beats 70% | 225 / 746 | | |
| Total Risk-Based Capital Ratio | 16.43% | 11.71% | 14.33% | 18.43% | Beats 66% | 251 / 746 | | |
| Equity / Assets | 14.00% | 8.90% | 10.51% | 13.06% | Beats 81% | 140 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.34% | 61.31% | 78.27% | 90.78% | 27th pctl | 544 / 746 | | |
| Loans / Assets | 52.13% | 53.60% | 66.97% | 76.08% | 23rd pctl | 578 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |