Century Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 4.47%, the biggest move on this page. Within New Mexico, Century Bank is 12th of 29 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. Century Bank reported 4.47% on net interest margin for Q2 2026, 0.76 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.88% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.6M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.70% | 1.07% | 4.49% |
| Q4 2023 | 5.91% | 1.24% | 4.54% |
| Q1 2024 | 5.74% | 1.40% | 4.18% |
| Q2 2024 | 5.82% | 1.44% | 4.21% |
| Q3 2024 | 5.66% | 1.52% | 3.99% |
| Q4 2024 | 5.60% | 1.40% | 4.04% |
| Q1 2025 | 5.31% | 1.09% | 4.09% |
| Q2 2025 | 5.21% | 0.99% | 4.13% |
| Q3 2025 | 5.88% | 0.96% | 4.83% |
| Q4 2025 | 5.59% | 0.90% | 4.59% |
| Q1 2026 | 5.32% | 0.88% | 4.34% |
| Q2 2026 | 5.45% | 0.88% | 4.47% |
Century Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank, freeSource: Call Report Schedules RI and RC-K, 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)