BlastPoint's Banking Scorecard

Century Bank

$1B-$10B Specialty: Commercial NM FDIC cert 28362

Designations: ✓ Community bank

Santa Fe, NM

9 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 6 in NM.
Deposits -6.4% year over year ($1.2B on the books).
Delinquency rate 1.08%.
Return on assets 0.95%.
Efficiency ratio 78.44% vs a 59.73% peer average.
Loan-to-deposit ratio 67.99% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 6 in NM

View $1B-$10B leaderboard (NM) →

Century Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 41.2% in tier
- Efficiency Ratio 18.71% above tier average
- Nonperforming Asset Ratio 0.88% above tier average
- ROA 0.44% below tier average
- Delinquency Rate 0.22% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$1.4B -4.8% YoY +0.8% QoQ	-$1.4B	$2.8B -0.6% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$835.1M +2.0% YoY +2.3% QoQ	-$1.1B	$2.0B -0.3% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$1.2B -6.4% YoY +0.8% QoQ	-$1.1B	$2.3B -0.5% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.95% +268.4% YoY +7.9% QoQ	-0.44%	1.39% +17.0% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	4.31% +3.3% YoY +1.1% QoQ	+0.44%	3.87% +6.2% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	78.44% +13.6% YoY -0.9% QoQ	+18.71%	59.73% -12.6% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	Bottom 8.4% in tier
Delinquency Rate ?	1.08% -70.7% YoY -11.9% QoQ	+0.22%	0.87% +11.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	67.99% +9.0% YoY +1.5% QoQ	-17.04%	85.04% -0.1% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 13.3% in tier
Non-Interest-Bearing Deposit Share ?	27.35% +8.8% YoY +0.3% QoQ	+6.07%	21.27% -1.5% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	1.55% -47.7% YoY -5.3% QoQ	+0.88%	0.67% +11.7% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	Bottom 9.5% in tier
Tier 1 Capital Ratio ?	12.85% +11.0% YoY -1.0% QoQ	-1.99%	14.84% -0.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.31% -2.3% YoY +114.2% QoQ	-0.22%	0.53% +2.5% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	27.3% +2.2pp YoY +0.1pp QoQ	+6.0pp	21.4%	34.1%	22.2%	77%
Brokered Deposits	0.3% +0.2pp YoY -0.2pp QoQ	-9.1pp	9.5%	5.2%	8.5%	9%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	42.3% +11.7pp YoY +1.3pp QoQ	+28.3pp	14.0%	20.2%	12.5%	96%
CRE	40.5% -7.8pp YoY -1.0pp QoQ	-9.5pp	50.0%	50.8%	41.4%	26%
1-4 Family	8.5% -0.6pp YoY -0.4pp QoQ	-17.9pp	26.4%	20.2%	31.3%	13%
Consumer	8.6% -4.9pp YoY +0.2pp QoQ	+3.9pp	4.7%	3.8%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	12.8% +1.3pp YoY -0.1pp QoQ	-2.7pp	15.6%	26.0%	19.7%	39%
Leverage Ratio	10.3% +1.5pp YoY +0.1pp QoQ	-1.1pp	11.3%	13.9%	12.6%	44%
Total Capital Ratio	13.9% +1.1pp YoY -0.1pp QoQ	-2.8pp	16.7%	27.1%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	185 +4 (+2.2%) YoY -1 (-0.5%) QoQ	-129	313	75	482	35%
Assets per Employee ($)	$7.4M -6.9% YoY +1.4% QoQ	-$3.1M	$10.5M	$7.6M	$8.8M	28%
Branch Count	9 0 YoY 0 QoQ	-11	20	6	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.1% -2.6pp YoY -0.1pp QoQ	+0.3pp	0.8%	1.1%	1.0%	76%
Allowance Coverage	1.09x +29.7% YoY +12.1% QoQ	-17.62x	18.71x	56.44x	20.23x	27%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	10.8% +18.3pp YoY +0.8pp QoQ	-1.8pp	12.6%	18.9%	11.6%	40%
Cost of Funds (YTD)	1.0% -0.2pp YoY 0.0pp QoQ	-0.9pp	1.9%	1.0%	1.7%	6%
Net Income ($, YTD)	$6.4M +257.3% YoY — QoQ	-$12.8M	$19.2M	$5.6M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#55 of 131 • Bottom 41.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

119

Loan-to-Deposit Ratio

liquidity

Value: 67.99%

Peer Median: 85.04%

#119 of 885 Top 13.3% in $1B-$10B

163

Net Interest Margin

profitability

Value: 4.31%

Peer Median: 3.87%

#163 of 885 Top 18.3% in $1B-$10B

199

Non-Interest-Bearing Deposit Share

funding

Value: 27.35%

Peer Median: 21.27%

#199 of 885 Top 22.4% in $1B-$10B

Top Weaknesses (3 metrics)

812

Efficiency Ratio

profitability

Value: 78.44%

Peer Median: 59.73%

#812 of 885 Bottom 8.4% in $1B-$10B

802

Nonperforming Asset Ratio

credit_quality

Value: 1.55%

Peer Median: 0.67%

#802 of 885 Bottom 9.5% in $1B-$10B

737

Total Loans

size

Value: $835.09M

Peer Median: $1.96B

#737 of 885 Bottom 16.8% in $1B-$10B