Gainesville, MO · Cert 8296 · Century Bancshares Inc.
State charter, Fed member · FED · 5 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 | 1.81% | 1.71% | 2.15% | 2.04% | 1.98% | 1.96% | 1.83% | 1.92% | -12 bps | |
| Return on Equity | 19.14% | 18.12% | 22.91% | 21.91% | 21.27% | 21.03% | 20.07% | 21.14% | -77 bps | |
| Net Interest Margin | 4.75% | 4.87% | 4.89% | 4.89% | 4.94% | 4.93% | 4.97% | 4.77% | -12 bps | |
| Efficiency Ratio | 52.19% | 55.90% | 50.90% | 52.08% | 52.34% | 49.68% | 54.33% | 54.75% | +267 bps | |
| Non-Interest Burden | 2.21% | 2.47% | 1.97% | 2.15% | 2.24% | 1.93% | 2.44% | 2.38% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 0.93% | 3.13% | 4.60% | 6.80% | 4.88% | 9.63% | 9.80% | +520 bps | |
| Loan Growth (YoY) | 6.23% | 4.31% | 7.16% | 6.49% | 5.88% | 8.71% | 8.34% | 12.30% | +581 bps | |
| Deposit Growth (YoY) | 2.69% | 0.96% | 2.68% | 4.21% | 6.55% | 4.86% | 10.74% | 10.57% | +637 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.77% | 1.46% | 1.45% | 1.53% | 1.43% | 0.00% | 0.17% | 0.19% | -134 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.03% | 0.00% | 0.00% | 0.73% | -0.11% | -0.05% | -6 bps | |
| Allowance / Loans | 1.81% | 1.77% | 1.73% | 1.76% | 1.79% | 1.45% | 1.53% | 1.50% | -26 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.2x | 1.2x | 1.1x | 1.2x | n/a | 9.0x | 7.9x | +6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.43% | 9.30% | 9.14% | 9.17% | 9.13% | 9.06% | 8.84% | -30 bps | |
| Total Risk-Based Capital | 9.35% | 9.43% | 9.30% | 9.14% | 9.17% | 9.13% | 9.06% | 8.84% | -30 bps | |
| Equity / Assets | 9.64% | 9.41% | 9.35% | 9.19% | 9.31% | 9.39% | 8.91% | 8.99% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.96% | 93.88% | 95.10% | 92.65% | 94.37% | 97.33% | 93.04% | 94.10% | +145 bps | |
| Liquid Assets / Assets | 7.62% | 7.23% | 7.19% | 10.08% | 7.78% | 3.95% | 8.32% | 5.02% | -505 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 371% | 384% | n/a | n/a | |