BlastPoint's Banking Scorecard
Century Bank
Designations: ✓ Community bank
Santa Fe, NM
9 branches across NM
Century Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 43.1% in tier
- - Efficiency Ratio 18.12% above tier average
- - Nonperforming Asset Ratio 0.96% above tier average
- - ROA 0.48% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-5.8% YoY
+0.7% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$816.1M
+1.4% YoY
-0.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$1.2B
-6.7% YoY
+0.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.88%
-26.7% YoY
+41.9% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
4.27%
+5.5% YoY
-2.8% QoQ
|
+0.45% |
3.82%
+6.9% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
79.18%
+9.8% YoY
+11.6% QoQ
|
+18.12% |
61.06%
-4.6% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate ? |
1.23%
-46.2% YoY
+7.3% QoQ
|
+0.34% |
0.89%
+14.1% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
66.96%
+8.7% YoY
-1.2% QoQ
|
-17.25% |
84.20%
+0.3% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.26%
+6.6% YoY
-2.9% QoQ
|
+5.97% |
21.29%
-2.5% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.64%
-23.1% YoY
+2.1% QoQ
|
+0.96% |
0.67%
+15.6% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.2% in tier |
| Tier 1 Capital Ratio ? |
12.99%
+0.5% YoY
+1.7% QoQ
|
-2.17% |
15.16%
+2.0% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.14%
-13.8% YoY
-76.5% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.