Lawrenceburg, KY · Cert 35450 · Century Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.05% | 1.21% | 1.15% | 1.15% | 1.40% | 1.64% | 1.70% | +55 bps | |
| Return on Equity | 12.43% | 13.26% | 14.88% | 13.76% | 13.59% | 16.41% | 18.29% | 18.66% | +490 bps | |
| Net Interest Margin | 3.01% | 3.01% | 3.24% | 3.29% | 3.35% | 3.49% | 3.75% | 3.83% | +54 bps | |
| Efficiency Ratio | 63.89% | 62.68% | 59.47% | 61.88% | 62.37% | 56.64% | 49.42% | 49.36% | -1,252 bps | |
| Non-Interest Burden | 1.76% | 1.71% | 1.73% | 1.85% | 1.91% | 1.78% | 1.62% | 1.66% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 1.69% | 7.59% | 5.28% | 5.70% | 7.16% | 4.42% | 6.98% | +169 bps | |
| Loan Growth (YoY) | 6.03% | -0.75% | 0.20% | 1.39% | 5.63% | 11.85% | 9.76% | 9.07% | +768 bps | |
| Deposit Growth (YoY) | 3.54% | 1.20% | 6.99% | 4.21% | 5.37% | 6.18% | 3.52% | 6.39% | +219 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.09% | 0.08% | 0.08% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.04% | 1.02% | 0.97% | 0.95% | 0.95% | 0.93% | -9 bps | |
| Allowance Coverage of NPLs | n/a | 10.8x | 11.8x | 12.4x | 12.8x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.00% | 9.68% | 9.75% | 10.03% | 9.83% | 9.63% | 10.02% | 10.41% | +38 bps | |
| Total Risk-Based Capital | 10.00% | 9.68% | 9.75% | 10.03% | 9.83% | 9.63% | 10.02% | 10.41% | +38 bps | |
| Equity / Assets | 8.55% | 7.92% | 8.30% | 8.82% | 8.77% | 8.84% | 9.09% | 9.40% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.21% | 72.33% | 71.43% | 74.13% | 75.40% | 76.20% | 75.73% | 76.00% | +187 bps | |
| Liquid Assets / Assets | 4.51% | 4.39% | 3.59% | 3.25% | 2.28% | 2.00% | 1.74% | 1.47% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 341% | 335% | 319% | n/a | n/a | |