Century Bank (Santa Fe, NM): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Santa Fe, Century Bank serves the New Mexico market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $1.4B in assets, including $845M in loans. Profitability tracks the broader industry: ROA 1.03%, ROE 11.60%, NIM 4.47%. Regulatory capital is solid, 12.85% CET1 and 13.91% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 2.02%. It operates 9 branches, primarily in New Mexico.
As of June 30, 2026, Century Bank reported a CET1 capital ratio of 12.85%, a return on assets of 1.03%, a nonperforming-loan ratio of 2.02%, a Texas ratio of 22.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Federal Pl, Santa Fe, NM 87501
- County
- Santa Fe
- Metro Area
- Santa Fe, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Century Bank FSB (1990-2007)
- Offices
- 9 domestic
- Employees (FTE)
- 185
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $24K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28362
- Fed RSSD
- 83375
- SEC CIK
- 1960803 → filed by CENTURY FINANCIAL SERVICES CORPORATION
- Website
- https://www.mycenturybank.com/ →
- Parent Holding Company
- CENTURY FINANCIAL SERVICES CORPORATION (RSSD 3632756)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Century Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Century Bank, freeCentury Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Century Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.85% | 1.03% | 2.02% | 22.48% | 4.47% |
| Q1 2026 | 12.99% | 0.88% | 1.61% | 19.77% | 4.34% |
| Q4 2025 | 12.78% | 0.95% | 1.40% | 18.75% | 4.59% |
| Q3 2025 | 12.93% | 2.68% | 1.32% | 17.86% | 4.83% |
| Q2 2025 | 11.58% | -2.32% | 4.55% | 38.52% | 4.13% |
| Q1 2025 | 12.93% | 1.19% | 6.11% | 48.91% | 4.09% |
| Q4 2024 | 12.61% | -0.27% | 3.19% | 32.04% | 4.04% |
| Q3 2024 | 12.18% | 0.84% | 4.00% | 36.59% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Espanola Branch | Espanola , NM | 87532 | $318.4M |
| St. Michaels Drive Branch | Santa Fe , NM | 87505 | $197.5M |
| Century Bank (main office) | Santa Fe , NM | 87501 | $166.1M |
| Albuquerque Branch | Albuquerque , NM | 87113 | $166.0M |
| Devargas Branch | Santa Fe , NM | 87501 | $156.1M |
| Rodeo Road Branch | Santa Fe , NM | 87507 | $117.1M |
| Century Bank - Los Alamos Branch | Los Alamos , NM | 87544 | $77.0M |
| Las Cruces Branch | Las Cruces , NM | 88011 | $30.2M |
| Customer Service Center Branch | Santa Fe , NM | 87505 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2015 | Structure Change | Acquired Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Century Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC (former OTS))
- May 25, 2006, OCC (former OTS): Supervisory Agreement: Century Bank, FSB
- April 19, 2006, OCC (former OTS): Supervisory Agreement: Century Financial Services Corp
- September 17, 1992, OCC (former OTS): Supervisory Agreement: Century Bank, FSB
- September 20, 1990, OCC (former OTS): Civil Money Penalty: Century Bank, Federal Savings Bank
- Period: Most recent institution action May 25, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.6% of deposits in NM, rank 9 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 8 loans originated, $11.6M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Century Bank
What are Century Bank's total assets?
As of the Q2 2026 filing, Century Bank reported total assets of $1.36 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Century Bank headquartered?
Century Bank is headquartered in Santa Fe, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Century Bank founded?
Century Bank was established in 1910, per the FDIC institution directory.
Is Century Bank FDIC-insured?
Yes. Century Bank is an FDIC-insured commercial bank (FDIC Certificate #28362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank?
Century Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Century Bank's CET1 capital ratio?
Century Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does Century Bank operate?
Century Bank operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank's Texas Ratio?
Century Bank's Texas Ratio is 22.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Century Bank previously called?
The charter now named Century Bank has also operated as Century Bank FSB (1990-2007), per FDIC structure-change records.
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