# CENTURY BANK
SHENANDOAH, IA · FDIC certificate 14051 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $103.6M | |
| Deposits | $82.2M | |
| Loans and leases | $49.7M | |
| Total equity | $9.5M | |
| Loans / deposits | 59.71% (p25 of band) | 75.62% |
| Liquid assets / assets | 49.87% (p81 of band) | |
| Uninsured deposits / deposits | 32.08% (p90 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.97% (p86 of band) | |
| FHLB advances / assets | 1.45% | |
| Tier 1 leverage | 9.01% (p11 of band) | 11.43% |
| Unrealized securities loss / equity | 2.25% (p75 of band) | 0.53% |
| AOCI / equity | 2.87% (p93 of band) | |
| ROA (annualized) | 0.68% (p35 of band) | 0.92% |
| Net interest margin | 2.74% (p11 of band) | 3.67% |
| Efficiency ratio | 67.15% (p38 of band) | |
| Noncurrent loans | 1.30% (p71 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 101.71% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 4.89% (p30 of band) | |
| Auto loans | $579,000 (1.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 0 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [Century Bank names new senior vice president, wealth management director - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNYTlBdno0REJsMHlqN2VuVWxGanhmeGswZUlybzQ1b2lRVVgzTTJobkFNM1p4ejJwT1ljdkYyS2MtbFJDLWlKekthODVhSF9ienRQczg4ZHl4aFhfRDZSd2JBZVZIQnRqb1ZHSTRWS0QweXdqXzZRZm4ycjFOc21fcnhNQkZXLXpLYy1MTkFTTnVhVllxTEpCZFRMcG0yZGtaa0RFcnZxNlpfLVAxRlRnZFR6OVZQZFotOUY2cEZFXzN1RWwtR0dVS3lXZGxwNTdBdEc5YkU0X2hPVzhYZl9yRDdsUFAtN0J2LTNDLW1RMHhTSDZKNkZ6SWlZa3ZJZw?oc=5) · Santa Fe New Mexican
- 2026-07-31 [Longtime veterans named to VP positions at Century Bank - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQVEs1RDF6WTZZYUhQdUJhOS1QTUh5N0FZaEhWWmViRVBEX3FsSjRxVkZCUUhaWHJxUFVwMWlKU3ZPZ1kydzRPbTlTLXozQXhMdlk1a25qTHhFdVU2WnFpVkZLVHBPakZjd19ZZWpxcWozNUU3ZWxHRXNtM3EtOVpUbElXOWQ4MXc5azMyOVpUbHZHdzJQTHR4QjBtMDlwY0pKWElMV0sycXdPX01pSnFDeW9hb2dmNFAyRGFsTGZmMGFkQmxnQlZzb1J2Q0gyd1FYWUJhOXFuQ0NLNjduZHo0X3d6SFFZeFdw?oc=5) · Santa Fe New Mexican
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-05-02 [First Century Bank scraps First Internet deal - Banking Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSDk5MDc4cXVDTnQ2blFrNWlqc3Q1NHVVR1FIbzJRc0FXb0xwN200WEtFZW9aQlRrdmhyOXJaYUNLN3BwSDh2R2JHbGo1RkFOZVVIYVNMTUtUTG45T2VsLUJKY2h6cG5OTkVhYUtyaVVUc2tUYVM5dW82S2pJa2gtRE9EUUdtdEF1MVdBYnFqSQ?oc=5) · Banking Dive
- 2020-04-20 [First National Bank completes merger with Shenandoah's Century Bank - KMAland.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPMjlCdTRtUmQ4akVBVVBmeV9GcWRORG1MaThFMm1pQ3lYdk9fTWxCN285LVF4cXl4RlhMSmhzay1wS3ZKaVZSNWYzcm14TVp6OXpwSmZkOERtUnZ6cTFoNm13eUpwTEE5NklvN0VBOE1LVDU5MjVwYWVETy1WOEJ1OU9XSUJpU3otaU5EOFhGYkRyX0l5NW9DUW9WYmlIWVcwM3BicEZxbVp2VmNQR1JXbTgxREx0WmtjU1hXMzdBbEN2UTBILUpoMnhQT3oxMlNjcGhHajN5X1dZclNINHc?oc=5) · KMAland.com
- 2025-11-14 [Historic Philly bank building to become fantastical, five-story art installation - WHYY](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZUttZHZoNHREQmxFZzlyNDlwMUUxLUphNE9TUXBSUE1nSDVyYjRxV3Fvd3NselV3d0lZR0FpbzBhNnRrbmMteXc0MFEzc0xBcTFveW1WdWRoX0lCWldBaklTNTRjSGlwcVh0QjZkcTY5ZF9KU3FQVF9NQVJWVEF6MjJqN21GZVk?oc=5) · WHYY
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14051 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "14051", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide