| Metric | Century Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +5.5% | -10.3 pts |
| Deposit growth (YoY) | -6.4% | +5.1% | -11.5 pts |
| Loan growth (YoY) | +2.0% | +5.9% | -3.9 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 10.8% | 12.2% | -1.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.23B | $835.1M | $119.6M | $6.4M | 0.95% | 4.31% | 1.55% |
| Q1 2026 | $1.35B | $1.22B | $816.1M | $119.0M | $3.0M | 0.88% | 4.27% | 1.64% |
| Q4 2025 | $1.34B | $1.21B | $820.0M | $117.2M | $8.8M | 0.62% | 4.39% | 1.61% |
| Q3 2025 | $1.36B | $1.23B | $807.5M | $117.1M | $5.5M | 0.52% | 4.35% | 1.52% |
| Q2 2025 | $1.43B | $1.31B | $818.4M | $105.6M | $-4.1M | -0.57% | 4.17% | 2.97% |
| Q1 2025 | $1.43B | $1.31B | $804.8M | $114.6M | $4.4M | 1.20% | 4.05% | 2.13% |
| Q4 2024 | $1.47B | $1.35B | $800.9M | $106.6M | $7.5M | 0.52% | 4.11% | 2.09% |
| Q3 2024 | $1.49B | $1.36B | $843.2M | $114.0M | $8.5M | 0.79% | 4.12% | 2.67% |
Loan mix (Q2 2026): real estate $409.2M · commercial $353.4M · consumer $71.8M · securities $321.1M
| Ratio | Century Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 59.0% | 92th |
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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