Century Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 11.67 percentage points in Q2 2026, from 174.07% to 162.40%. It was the largest change from Q1 2026 among the key lines here. Century Bank ranks 11th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 68.80% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Century Bank sits 19.40 points lower, at 68.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $845.0M |
| Net loans and leases | $835.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.12% |
| Loan-to-deposit ratio | 68.80% |
| Net loans to equity capital | 6.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.36% |
| Multifamily (5+ residential) | 3.41% |
| Commercial and industrial | 41.69% |
| Consumer | 8.47% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.40% |
| Construction concentration (Tier 1 capital + allowance) | 35.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $13.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $907.3M | $1.25B | 39.84% | 27.65% | 8.02% |
| Q4 2023 | $925.4M | $1.25B | 39.22% | 26.71% | 9.32% |
| Q1 2024 | $926.9M | $1.30B | 36.69% | 25.32% | 9.96% |
| Q2 2024 | $890.3M | $1.33B | 36.57% | 24.96% | 10.69% |
| Q3 2024 | $856.1M | $1.36B | 35.71% | 23.36% | 11.74% |
| Q4 2024 | $813.1M | $1.35B | 35.70% | 25.32% | 12.10% |
| Q1 2025 | $816.9M | $1.31B | 35.38% | 24.78% | 13.33% |
| Q2 2025 | $844.0M | $1.31B | 34.16% | 29.60% | 13.06% |
| Q3 2025 | $818.8M | $1.23B | 37.57% | 35.10% | 8.20% |
| Q4 2025 | $829.2M | $1.21B | 34.65% | 37.06% | 9.88% |
| Q1 2026 | $825.9M | $1.22B | 32.20% | 40.45% | 8.23% |
| Q2 2026 | $845.0M | $1.23B | 30.36% | 41.69% | 8.47% |
Century Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank, freeSource: Call Report Schedule RC-C, 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)