# CENTURY BANK
SANTA FE, NM · FDIC certificate 28362 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.36B | |
| Deposits | $1.23B | |
| Loans and leases | $845.0M | |
| Total equity | $119.6M | |
| Loans / deposits | 67.99% (p14 of band) | 87.10% |
| Liquid assets / assets | 32.60% (p80 of band) | |
| Uninsured deposits / deposits | 34.08% (p59 of band) | 30.76% |
| Brokered deposits | 0.31% | |
| Wholesale funding | 0.31% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.25% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -13.56% (p32 of band) | -7.75% |
| AOCI / equity | 0.43% (p91 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 4.31% (p82 of band) | 3.70% |
| Efficiency ratio | 78.44% (p92 of band) | |
| Noncurrent loans | 1.07% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 109.45% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 43.47% (p46 of band) | |
| Auto loans | $1.7M (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 185 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | wholesale funding >15% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 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 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 2 | expense ratio p90 |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | uninsured deposits leaving |  |
| 2022-09 | 4 | securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 2 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 6 | securities losses >30% of equity, charge-offs p90 |  |
| 2023-12 | 4 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | construction >100% equity |
| 2025-03 | 2 |  | charge-offs p90, capital falling |
| 2025-06 | 3 | losing money |  |
| 2025-09 | 3 | charge-offs p90, deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent, losing money |
| 2025-12 | 4 | reserve under noncurrent |  |
| 2026-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2026-06 | 2 |  | assets shrinking, reserve under noncurrent |

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

- 2026-09-03 [Bank7 Corp. Named Successful Bidder in the Auction for a Controlling Interest in Century Financial Services Corporation - PR Newswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNNzUzamxjdy1uX2JKbC1Nb2o0a1RWZjZra1d3NGhIY2xULVZWTU5Ma2dYYm9PM0FvOUJGUHVlRVlSSlNFTEdDbUhWSW14b1VzdHlPdDNlenZzbnJsd2RETWZLUU5OZjlFcEtqWjdBSlpXRG1lTDNjenVGSGYzSDJUNVNkNkkyOGZmc0xNZ2poaHBmTEN6T3BrbjV1RHVtRElZS29kaVpjU3ptdm83b0VHRmhRQkhVdDVGZlpNSE1VZVNpcFZVUFNfU3Rfc0k0ZUY5SjdyOFpJY1VvUXJLdWxZdzB5R25vVENwVEhDUFJQVmt4WEkxdmxxVE9zSi1wVkZMaGRjeg?oc=5) · PR Newswire
- 2026-07-07 [Bank7 to buy 71% of Century Bank, maybe - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVUhtSWdma1FOY043NkJfY19PMXFpb19WbU5QMmMzc19oNlhSMUtHZktKbGlfTGZHUmhac3pkcmtCMjBZWWwySFNCeWJEaEhudWpxQzJfZEZMbC1YWGZWQUhabXFVTjg5RHlXWHRLX0tSdkJIVDFNbF9VLXI2R214dzNNbkI?oc=5) · Banking Dive
- 2026-07-07 [Oklahoma City-based Bank7 expands into New Mexico with Century Bank acquisition - journalrecord.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNZlBXTS1EMjgzbFpkdkxSY3dUWmVIZFBiZmN5UEtxQXNiMS1fZmg2eVJwUGhXQUJTbm1VRUd4emNPN1g2a0NTUXNaRFpudEF4UlhRcURrMUp1NjZrZ2JwTG9PTm52R1JLRENteEFVbFluQkRhTlZURWRHUk9iX3VuTG9lZGduUjJMOXBrb1R5LWRPellWQnctaEI2QzRndw?oc=5) · journalrecord.com
- 2026-07-31 [Century Bank board vice chair takes over as interim CEO amid pending sale - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMigAJBVV95cUxOQUJKeXV6VHlXT3pPTXZOb2pJVUs1SmgwNzM5Z0NvVVF6Umh4cmJjclpmTmlVLUk3eGtBTGZwNFotQmIzUUkxNk9QbDJRZmdYcWx6V2NreWgyZmNOMXZ1dS1ObUVZaUg5aFg5SEtNbldXRldiemJrSGdnRzJqTXJCVVJoWGwwNldkRFZPY0M4OWtlTGUyaUoteGdSV19fdEJSczFrT09BTWRDbU5kdDFWbFRzbzVORHdUN2p1NF9pa0t2M3pwY0NlRThOSllYaDV5cGNsdF9Fek9fbkNLX0Y5Q0g0dlFUZXgzdlBvSUlOT0NiUVJkOGZLb2pEZGtBd1pV?oc=5) · Santa Fe New Mexican
- 2026-09-04 [After owner couldn't repay debts, NM bank poised for sale - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMTFsRjBrdzNMZXQ5SE56V29zM2NCSXQzRWhxeEpDTnN1WXBycnFhUnpPS2MwaFg4aThXTkdBNzVfTkhXdExxNTBwbGFLTTNXWUJhVnBMdzdPdHh2Q0QzN2t1TzNES20xQVJuamJyZFBKOTV4VDZlZHRGOUZsSUMyVzRLUlRpVVpfRGQxZ3YweC1qUXdqekE?oc=5) · American Banker
- 2026-07-03 [Century Bank responds to Bank7's stock purchase announcement - Albuquerque Business First - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQLU5aSTRFeUt0LThRWGRRSmJBcDlSWDhvNHFiWnJ3SExubW9Ba2NKMnJab0pNbHhhZmNQSHp4Z09ValFPQUh0NWJzRVdXZTVKQ0dMdUEyRGdLUVduZGZjTFY1YW1iY1F6MVRBcTA0R254NFB2Z3NaRlJHVDcwMG1DMnpYcHpqNVd0NU9yRlc0Z280SlhWZllBdDl3?oc=5) · The Business Journals
- 2026-07-06 [Okla. bank pounces on court-ordered sale of shares in N.M. rival - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTXU2c3N6eTBSUkRXTlRWbjdEM3RVTmZudXRoR1JDbmdMaFlzMEZfUlVjWE9icTlwLXA5SndSUWx0WHFtQWlEc1V1X2lhVVVobXl2cHJMM0xCNUF6akRfQ3M2NWozMXd1QjE4eG11alMzNWVfUnltQkk1MExkQl9mMnhTZl94cjF5Y3RFSEdhTlhKYlBDdkVPbmtUaE1wa28?oc=5) · American Banker
- 2026-08-05 [Century Bank interim CEO Myers emphasizes community focus amid leadership changes - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdTRycmJnaTBaY1NFOHB0QndKekp5ck5Ed01WdEx6SW4tSjdmSlpzdjVNUWx3RGs1TTdHalhLUGxzcHB5NlFGdjA5eXE2c2pUb3BPU3pWWFYyMTYwNzdrZ3V6VWh2aXpaMjIxTDF6d2w4VU9RSnNnRHVEUmFjT0Z6VDhxcnBrcUxydDRj?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28362 (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/10.json (key "28362", 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.

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