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Letter portraitLegal landscapeQuarterYTD

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 $0.5MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $60.6M2%Noninterest $1.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.28%-1.67%-1.23%-0.04%0.10%+37 bps
Return on Equity-2.04%-12.02%-8.77%-0.30%0.67%+271 bps
Net Interest Margin2.01%2.09%2.21%2.60%2.58%+57 bps
Efficiency Ratio118.70%118.49%108.53%101.71%97.73%-2,096 bps
Non-Interest Burden2.41%2.50%2.41%2.65%2.52%+12 bps
Growth
Asset Growth (YoY)-1.31%-0.39%1.43%0.49%0.90%+222 bps
Loan Growth (YoY)-0.50%-2.49%-1.90%0.07%-1.14%-64 bps
Deposit Growth (YoY)1.49%-9.36%0.00%0.23%1.01%-48 bps
Asset Quality
Nonperforming Loans / Loans0.92%0.73%0.69%0.47%0.50%-41 bps
Net Charge-Offs / Loans0.13%0.08%0.07%0.01%-0.05%-18 bps
Allowance / Loans0.73%0.68%0.68%0.67%0.65%-7 bps
Allowance Coverage of NPLs0.8x0.9x1.0x1.4x1.3x+0.5x
Capital
Tier 1 Leverage Ratio17.92%16.92%16.56%16.55%16.43%-149 bps
Total Risk-Based Capital17.92%16.92%16.56%16.55%16.43%-149 bps
Equity / Assets14.00%14.76%14.28%14.07%14.00%0 bps
Liquidity & Funding
Loans / Deposits64.71%70.60%64.37%63.95%63.34%-137 bps
Liquid Assets / Assets1.63%1.08%1.62%1.46%1.67%+4 bps
CRE / Total Capitaln/a53.19%58.08%42.44%n/an/a