| Metric | Century Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.2% | +4.4% | +29.8 pts |
| Deposit growth (YoY) | +32.5% | +4.0% | +28.5 pts |
| Loan growth (YoY) | +32.7% | +5.6% | +27.1 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 18.2% | 11.9% | +6.3 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $490.7M | $435.3M | $268.2M | $52.7M | $4.4M | 1.94% | 4.45% | 0.04% |
| Q1 2026 | $490.7M | $437.3M | $258.1M | $50.4M | $2.0M | 1.85% | 4.51% | 0.02% |
| Q4 2025 | $363.8M | $321.0M | $198.7M | $40.6M | $6.2M | 1.72% | 4.21% | 0.10% |
| Q3 2025 | $359.2M | $318.3M | $200.1M | $38.8M | $4.7M | 1.74% | 4.18% | 0.11% |
| Q2 2025 | $365.7M | $328.5M | $202.1M | $35.1M | $3.0M | 1.64% | 4.04% | 0.11% |
| Q1 2025 | $364.1M | $325.7M | $195.2M | $33.8M | $1.4M | 1.59% | 3.87% | 0.11% |
| Q4 2024 | $349.5M | $313.0M | $186.4M | $33.8M | $4.6M | 1.30% | 3.57% | 0.11% |
| Q3 2024 | $354.9M | $313.6M | $188.3M | $34.5M | $3.3M | 1.23% | 3.48% | 0.00% |
Loan mix (Q2 2026): real estate $241.0M · commercial $13.9M · consumer $4.3M · securities $143.9M
| Ratio | Century Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 11.9% | 83th | |
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 | 48.7% | 62.9% | 14th |
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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