| Metric | Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.6 pts |
| ROA | 1.24% | 1.28% | -0.0 pts |
| ROE | 13.8% | 12.4% | +1.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $566.2M | $509.2M | $389.6M | $51.7M | $3.5M | 1.24% | 4.54% | 0.42% |
| Q1 2026 | $562.2M | $506.6M | $380.5M | $50.0M | $1.7M | 1.21% | 4.47% | 0.43% |
| Q4 2025 | $551.7M | $497.3M | $378.0M | $49.7M | $6.1M | 1.13% | 4.32% | 0.43% |
| Q3 2025 | $550.8M | $496.3M | $355.9M | $49.0M | $4.4M | 1.09% | 4.23% | 0.34% |
| Q2 2025 | $551.4M | $500.2M | $360.8M | $45.7M | $2.8M | 1.04% | 4.16% | 0.32% |
| Q1 2025 | $546.7M | $497.3M | $366.8M | $43.9M | $1.3M | 0.96% | 4.03% | 0.33% |
| Q4 2024 | $530.4M | $482.9M | $357.6M | $41.8M | $5.1M | 0.99% | 4.03% | 0.36% |
| Q3 2024 | $528.9M | $478.6M | $365.3M | $44.1M | $3.7M | 0.96% | 4.00% | 0.52% |
Loan mix (Q2 2026): real estate $339.4M · commercial $33.8M · consumer $20.6M · securities $114.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 61.2% | 67th |
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 | 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 | 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 | 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 | 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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