BlastPoint's Banking Scorecard
Century Bank
Community
Specialty: Commercial
NM
FDIC cert 28362
Santa Fe, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Century Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 25% in Community
- - Nonperforming Asset Ratio 1.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-9.0% YoY
-1.8% QoQ
|
-$52.1M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$820.0M
+2.4% YoY
+1.6% QoQ
|
-$155.5M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$1.2B
-10.5% YoY
-2.0% QoQ
|
+$45.0M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.62%
+19.9% YoY
+20.6% QoQ
|
-0.54% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
4.39%
+6.9% YoY
+0.9% QoQ
|
+0.73% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
70.94%
+4.7% YoY
+0.9% QoQ
|
+8.31% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.15%
-50.8% YoY
+7.9% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
67.79%
+14.4% YoY
+3.6% QoQ
|
-15.27% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
28.08%
+2.3% YoY
+4.7% QoQ
|
+7.03% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.61%
-23.2% YoY
+5.9% QoQ
|
+1.11% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
12.78%
+1.3% YoY
-1.2% QoQ
|
+2.53% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.61%
+5.4% YoY
+27.2% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Deposit Outflow
decline
#62 of 248 · Bottom 25% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.61%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.08% · Tier avg: 21.05%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
59
59th pctile
Total Loans
Current: $820.0M · Tier avg: $975.5M
56
56th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 10.24%
25
25th pctile
Efficiency Ratio
Current: 70.94% · Tier avg: 62.63%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.79% · Tier avg: 83.06%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.50%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.61% · Tier avg: 0.50%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.79% · Tier avg: 83.06%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
25
25th pctile
Efficiency Ratio
Current: 70.94% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 10.24%
59
59th pctile
Total Loans
Current: $820.0M · Tier avg: $975.5M
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.08% · Tier avg: 21.05%
84
84th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.66%