Century Bank (Santa Fe, NM)
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Data as of · sourced from FFIEC call reports. How we update
Century Bank is an FDIC-insured commercial bank headquartered in Santa Fe, NM, established in 1910 (FDIC certificate 28362), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.36B, down 4.8% from Q2 2025, the 2nd largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 12.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28362
- Headquarters
- Santa Fe, NM
- Established
- 1910
- Total assets, Q2 2026
- $1.36B
- Assets vs Q2 2025
- -4.8%
- CET1 ratio, Q2 2026
- 12.85%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 307072443
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank call report
- Holding company
- CENTURY FINANCIAL SERVICES CORPORATION
- Asset rank in state
- 2nd of 29 in New Mexico
Century Bank spends more to run itself than most banks of its size. The Santa Fe, New Mexico bank had $1.4 billion in assets at June 30, 2026, down 4.8% from a year earlier. It spends about 76 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 0.88% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.07% of loans from 3.59%. Its $353 million commercial and industrial book is improving, with 0.23% past due or on nonaccrual, down from 10.32% a year earlier. Credit is the area to watch: it carries problem assets equal to 16.3% of the capital and reserves that would absorb them, 4.6 times the median of 3.6% for banks its size.
As of June 30, 2026, Century Bank reported a CET1 capital ratio of 12.85%, a return on assets of 1.03%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 16.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Century Bank is the 2nd largest of the 29 banks headquartered in New Mexico. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $1.36B, loans rose 2.3% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 41.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.8%. The FDIC Summary of Deposits lists 9 offices for it, in 5 cities in NM; its Santa Fe 5 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Century Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Federal Pl, Santa Fe, NM 87501
- County
- Santa Fe
- Metro Area
- Santa Fe, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Century Bank FSB (1990-2007)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 185
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $1.34B
- Average total loans
- $834.6M
- Average interest-bearing deposits
- $1.07B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28362
- Fed RSSD
- 83375
- SEC CIK
- 1960803 → filed by CENTURY FINANCIAL SERVICES CORPORATION
- Website
- https://www.mycenturybank.com/ →
- Parent Holding Company
- CENTURY FINANCIAL SERVICES CORPORATION (RSSD 3632756)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Century Bank's total assets moved between a low of $1.34B (Q4 2025) and a high of $1.49B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.36B total assets against $1.43B; $1.24B total liabilities against $1.32B.
$835.1M net loans and leases against $818.4M; $1.23B total deposits against $1.31B.
$321.1M securities against $371.6M; $122.4M cash and balances due against $157.0M.
$16.9M total interest income against $18.1M; $3.1M total interest expense against $3.7M.
$13.8M net interest income against $14.4M.
$2.3M total noninterest income against $2.1M; $12.4M total noninterest expense against $10.9M.
$101K provision for credit losses against $14.1M.
$3.5M net income against -$8.5M.
1.03% return on assets against -2.32%; 4.47% net interest margin against 4.13%.
12.85% CET1 capital ratio against 11.58%; 10.25% tier 1 leverage ratio against 8.77%.
Inside the full Century Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentury Bank rankings
Its closest position to the top of a national ranking is 261 of 3,640, for Texas Ratio; its furthest is 3,106 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.32% (Q2 2025) to 2.68% (Q3 2025) and its net interest margin ran from 3.99% (Q3 2024) to 4.83% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.03% | 1.07% | 16.31% | 4.47% |
| Q1 2026 | 12.99% | 0.88% | 1.22% | 17.16% | 4.34% |
| Q4 2025 | 12.78% | 0.95% | 1.13% | 17.01% | 4.59% |
| Q3 2025 | 12.93% | 2.68% | 1.05% | 16.11% | 4.83% |
| Q2 2025 | 11.58% | -2.32% | 3.59% | 32.36% | 4.13% |
| Q1 2025 | 12.93% | 1.19% | 2.25% | 24.06% | 4.09% |
| Q4 2024 | 12.61% | -0.27% | 2.29% | 25.90% | 4.04% |
| Q3 2024 | 12.18% | 0.84% | 3.24% | 31.48% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Espanola Branch | Espanola , NM | 87532 | $318.4M |
| St. Michaels Drive Branch | Santa Fe , NM | 87505 | $197.5M |
| Century Bank (main office) | Santa Fe , NM | 87501 | $166.1M |
| Albuquerque Branch | Albuquerque , NM | 87113 | $166.0M |
| Devargas Branch | Santa Fe , NM | 87501 | $156.1M |
| Rodeo Road Branch | Santa Fe , NM | 87507 | $117.1M |
| Century Bank - Los Alamos Branch | Los Alamos , NM | 87544 | $77.0M |
| Las Cruces Branch | Las Cruces , NM | 88011 | $30.2M |
| Customer Service Center Branch | Santa Fe , NM | 87505 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2015 | Structure Change | Acquired Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC (former OTS))
- May 25, 2006, OCC (former OTS): Supervisory Agreement: Century Bank, FSB
- September 17, 1992, OCC (former OTS): Supervisory Agreement: Century Bank, FSB
- September 20, 1990, OCC (former OTS): Civil Money Penalty: Century Bank, Federal Savings Bank
- Period: Most recent institution action May 25, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.6% of deposits in NM, rank 9 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 8 loans originated, $11.6M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $8.6M approved, $862K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Bank
What are Century Bank's total assets?
As of the Q2 2026 filing, Century Bank reported total assets of $1.36 billion in its FFIEC call report.
Where is Century Bank headquartered?
It is headquartered in Santa Fe, NM, United States.
When was Century Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Century Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank?
Century Bank's primary federal regulator is the FDIC.
What is Century Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Century Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank's Texas Ratio?
Its Texas Ratio is 16.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Century Bank previously called?
The charter now named Century Bank has also operated as Century Bank FSB (1990-2007), per FDIC structure-change records.
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