Century Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank of Santa Fe, NM against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.44% | -0.41% | 31st below |
| ROAE | 11.60% | 12.51% | -0.91% | 45th below |
| Net Interest Margin | 4.47% | 3.84% | +0.63% | 88th top |
| Efficiency Ratio | 76.30% | 58.85% | +17.45% | 11th bottom |
| PPNR / Avg Assets | 1.06% | 1.78% | -0.72% | 18th bottom |
| Yield on Earning Assets | 5.45% | 5.71% | -0.26% | 44th below |
| Cost of Funds | 0.88% | 2.03% | -1.15% | 97th top |
| Net Interest Spread | 4.06% | 3.18% | +0.88% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.02% | 0.96% | +1.06% | 11th bottom |
| NPA / Total Assets | 2.14% | 0.75% | +1.39% | 7th bottom |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 64th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.25% | -0.08% | 53rd above |
| ACL / NPLs (Coverage) | 58.14% | 699.55% | -641.41% | 12th bottom |
| Texas Ratio | 22.48% | 7.14% | +15.34% | 5th bottom |
| Provision / NCO | 2854.17% | 811.80% | +2042.37% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.85% | 17.41% | -4.56% | 40th below |
| Tier 1 Ratio | 12.85% | 17.45% | -4.60% | 39th below |
| Total Capital Ratio | 13.91% | 18.51% | -4.60% | 38th below |
| Leverage Ratio | 10.25% | 11.60% | -1.35% | 44th below |
| Equity / Assets | 8.79% | 11.33% | -2.54% | 17th bottom |
| TCE / Tangible Assets | 8.79% | 10.65% | -1.86% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.80% | 86.37% | -17.57% | 87th top |
| Core Deposit Ratio | 95.18% | 85.55% | +9.63% | 86th top |
| Uninsured Deposit Ratio | 34.08% | 32.71% | +1.37% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.82% | 10.47% | -15.29% | 4th bottom |
| Loan Growth (Y/Y) | 0.12% | 8.00% | -7.88% | 17th bottom |
| Deposit Growth (Y/Y) | -6.40% | 7.99% | -14.39% | 3rd bottom |
See Century Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Century Bank profile, how to read a UBPR, or how this data updates.