# CENTURY BANK
EUGENE, OR · FDIC certificate 57720 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $83.3M | |
| Deposits | $68.8M | |
| Loans and leases | $66.8M | |
| Total equity | $12.5M | |
| Loans / deposits | 94.90% (p93 of band) | 68.02% |
| Liquid assets / assets | 19.99% (p15 of band) | |
| Uninsured deposits / deposits | 20.74% (p90 of band) | 8.86% |
| Brokered deposits | 1.67% | |
| Wholesale funding | 4.07% (p63 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 14.45% (p88 of band) | 10.05% |
| Unrealized securities loss / equity | 0.02% (p12 of band) | 3.01% |
| AOCI / equity | -0.02% (p40 of band) | |
| ROA (annualized) | 1.53% (p86 of band) | 0.76% |
| Net interest margin | 5.37% (p97 of band) | 3.75% |
| Efficiency ratio | 63.37% (p25 of band) | |
| Noncurrent loans | 1.93% (p63 of band) | 1.21% |
| Net charge-offs (annualized) | -0.77% (p0 of band) | |
| Reserve coverage of noncurrent | 116.52% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 26.36% (p64 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 | loans exceed deposits | reserve under noncurrent |
| 2012-12 | 0 |  | loans exceed deposits |

## 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
- 2026-07-31 [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
- 2026-07-07 [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
- 2026-07-03 [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
- 2026-08-31 [Century Bank donates $75,000 to Feeding the Gulf Coast - WKRG](https://news.google.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?oc=5) · WKRG
- 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
- 2026-07-08 [Santa Fe’s Century Bank says it’s ‘not for sale’ as Oklahoma firm looks to take controlling stake - Albuquerque Journal](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNdHJSdzl1Q21waGx1ejlOV25qRk93ekVlenVNaVl1NmVwQ0RfLTV5b1RBV2ZpelpubVNrRzlQQnVXYUFoZjZSRjdPa1BkWXRNbERISGRiYURfS3NWVk1VaFItWU1KM0NiQWMxMy0tS29oZVp2ZGVTQ0RyMGZjV2M4aFM2MUZUN1UwQnFkWmhsVjJfS2JHVlRjcElZWW11T0FNY1Z5QmhLZkJ3OGt0Nl9FVlpMUFY4R3drVFhweHRoWE1EM240cDR2Q2hCdzVDT3k4ZUNR?oc=5) · Albuquerque Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57720 (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/56.json (key "57720", 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