Century Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.04 percentage points higher than in Q1 2026, at 68.80%. Century Bank ranks 11th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 68.80% (Q2 2026). Century Bank reported 68.80% on loan-to-deposit ratio for Q2 2026, 19.40 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $122.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $443.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.80% |
| Net loans and leases to deposits | 67.99% |
| Loans and leases to core deposits | 72.02% |
| Core deposits to total deposits | 95.18% |
| Brokered deposits to total deposits | 0.34% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 72.38% | 93.41% | $0 | $0 |
| Q4 2023 | 74.16% | 92.68% | $0 | $10.0M |
| Q1 2024 | 71.32% | 92.02% | $0 | $15.0M |
| Q2 2024 | 66.79% | 92.44% | $0 | $0 |
| Q3 2024 | 62.90% | 91.07% | $0 | $0 |
| Q4 2024 | 60.17% | 91.67% | $0 | $0 |
| Q1 2025 | 62.55% | 93.99% | $0 | $0 |
| Q2 2025 | 64.32% | 94.77% | $0 | $0 |
| Q3 2025 | 66.34% | 94.58% | $0 | $0 |
| Q4 2025 | 68.55% | 94.11% | $0 | $0 |
| Q1 2026 | 67.76% | 94.53% | $0 | $0 |
| Q2 2026 | 68.80% | 95.18% | $0 | $0 |
Century Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank, freeSource: Call Report Schedules RC and RC-M, 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)