Century Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 1.4% between Q1 2026 and Q2 2026, to $1.07B. On CET1 ratio, Century Bank is 2nd from the bottom among 20 New Mexico banks, 12.85% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Century Bank sits 0.62 points lower, at 12.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 13.91% |
| Tier 1 leverage ratio | 10.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $137.7M |
| Tier 1 capital | $137.7M |
| Total risk-based capital | $149.0M |
| Total equity capital | $119.6M |
| Risk-weighted assets | $1.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.79% |
| Tangible equity to tangible assets | 8.79% |
| Equity capital to average assets | 8.90% |
| Internal capital growth rate | 1.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $322K |
| Common stock surplus | $58.9M |
| Retained earnings | $78.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.01% | 11.01% | 12.24% | 9.17% | $1.17B |
| Q4 2023 | 11.03% | 11.03% | 12.28% | 9.32% | $1.18B |
| Q1 2024 | 11.21% | 11.21% | 12.46% | 9.27% | $1.18B |
| Q2 2024 | 11.91% | 11.91% | 13.16% | 9.22% | $1.13B |
| Q3 2024 | 12.18% | 12.18% | 13.43% | 9.10% | $1.12B |
| Q4 2024 | 12.61% | 12.61% | 13.86% | 8.86% | $1.06B |
| Q1 2025 | 12.93% | 12.93% | 14.18% | 9.40% | $1.07B |
| Q2 2025 | 11.58% | 11.58% | 12.85% | 8.77% | $1.10B |
| Q3 2025 | 12.93% | 12.93% | 14.18% | 9.60% | $1.06B |
| Q4 2025 | 12.78% | 12.78% | 13.82% | 9.90% | $1.06B |
| Q1 2026 | 12.99% | 12.99% | 14.05% | 10.19% | $1.06B |
| Q2 2026 | 12.85% | 12.85% | 13.91% | 10.25% | $1.07B |
Century Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28362) · FFIEC NIC profile (RSSD 83375)