Century Bank: how it compares with its peers
Against 8 NM banks with half to twice its assets, Century Bank's strongest measure in Q2 2026 is net interest margin (4.31% vs. a 4.65% peer median). Its weakest relative measure is return on assets (0.95% vs. 2.21%).
| Measure | Century Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 2.21% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.31% | 4.65% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.44% | 50.86% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.6M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.99% | 71.31% | Context |
What it means for lending operations
Its efficiency ratio of 78.44% is above the 50.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- InBank Raton, NM · $1.35B
- Citizens Bank of Las Cruces Las Cruces, NM · $1.17B
- Pioneer Bank Roswell, NM · $1.09B
- CNB Bank Carlsbad, NM · $1.07B
- Western Commerce Bank Carlsbad, NM · $864M
- First American Bank Artesia, NM · $1.91B
Questions about Century Bank
How big is Century Bank?
Century Bank, established in 1910, is headquartered in Santa Fe, NM. It reported $1.36B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Century Bank's return on assets?
0.95% annualized in Q2 2026, against a 2.21% median for 8 NM banks with half to twice its assets, ahead of 0% of them.
What is Century Bank's efficiency ratio?
78.44% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 50.86%, and lower is better.
Is Century Bank growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits shrank 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.