| Metric | Century Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $494.0M | $419.0M | $268.1M | $68.6M | $4.5M | 1.85% | 4.45% | 0.50% |
| Q1 2026 | $495.0M | $419.7M | $258.1M | $67.4M | $2.4M | 1.95% | 4.38% | 0.45% |
| Q4 2025 | $476.8M | $403.6M | $249.9M | $66.1M | $9.2M | 1.91% | 4.52% | 0.70% |
| Q3 2025 | $492.4M | $420.4M | $242.1M | $64.7M | $7.0M | 1.93% | 4.48% | 0.52% |
| Q2 2025 | $481.2M | $412.5M | $239.0M | $61.9M | $4.4M | 1.85% | 4.48% | 0.59% |
| Q1 2025 | $483.3M | $415.7M | $233.4M | $60.1M | $2.3M | 1.92% | 4.46% | 0.38% |
| Q4 2024 | $467.2M | $401.8M | $229.3M | $57.1M | $9.0M | 1.91% | 4.41% | 0.53% |
| Q3 2024 | $469.0M | $403.8M | $235.5M | $57.2M | $6.7M | 1.88% | 4.36% | 0.54% |
Loan mix (Q2 2026): real estate $223.2M · commercial $26.5M · consumer $4.2M · securities $136.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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