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Overview / Commentary
100 South Federal Place At Lincoln Av
Santa Fe, NM 87504

Century Bank (NM) is headquartered in Santa Fe and is the 8th largest bank in the state of New Mexico. It is also the 1,118st largest bank in the nation. It was established in 1910 and as of December of 2013, it had grown to 155 employees at 9 locations. Century Bank (NM) has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Century Bank (NM) had $11.41 million in non-current loans and owned real-estate with $58.11 million in equity and loan loss allowances on hand to cover it. This gives Century Bank (NM) a Texas Ratio of 19.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Century Bank (NM) decreased slightly from 22.70% as of December 31, 2012 to 19.63% as of December 31, 2013, resulting in a positive change of 13.52%.This indicates that the balance sheet and financial strength for Century Bank (NM) has improved slightly in recent periods.

Deposit Growth


In the past year, Century Bank (NM) has decreased its total deposits by $-952,000, resulting in -0.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Century Bank (NM) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Century Bank (NM) has $592.72 million in assets with $58.11 million in equity, resulting in a capitalization level of 9.80%, which is above average.

Institution Statistics

FDIC Certificate #28362
Year Established1910
Primary RegulatorFDIC
Assets and Liabilities
Assets$592.72 million
Loans$340.79 million
Deposits$455.08 million
Equity Capital$52.76 million
Loan Loss Allowance$5.35 million
Unbacked Noncurrent Loans$2.69 million
Real Estate Owned$8.72 million
Historic Data - December 2012
Assets$585.86 million
Equity Capital$63.35 million
Loan Loss Allowance$5.45 million
Unbacked Noncurrent Loans$2.69 million
Real Estate Owned$11.32 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.69%
Return on Equity6.85%
Interest Income$23.08 million

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Century Bank (NM) Savings Account Rates

0.50%$100-Market Rate IRA
0.05%$100-High Performance Savings
0.05%$25-Minor Savings
0.05%$100-Business High Performance Savings
0.01%-- Health Savings Account

Century Bank (NM) Money Market Rates

0.15%$100k-Personal High Performance Money Market
0.15%$100k-Business High Performance Money Market

Century Bank (NM) Checking Account Rates

0.55%$100-IOLTA/LIHTF Interest Checking
0.02%$1k-Century Platinum Checking
0.01%$500-Business Plus Interest Checking
0.01%--Century Interest Checking

Century Bank (NM) CD Rates

1.00%$25k-15 Month CD Special
0.85%$1k-5 Year CD
0.70%$1k-4 Year CD
0.60%$1k-3 Year CD
0.50%$1k-2 Year CD
0.40%$1k-1 Year CD
0.15%$1k-182 Day CD
0.05%$1k-90 Day CD

Century Bank (NM) IRA Rates

0.85%$1k-5 Year IRA
0.70%$1k-4 Year IRA
0.60%$1k-3 Year IRA
0.50%$1k-2 Year IRA
0.40%$1k-1 Year IRA

Century Bank (NM) Locations
Century Bank100 South Federal Place At Lincoln AvSanta Fe, NM 87504
Las Cruces Branch141 Roadrunner ParkwayLas Cruces, NM 88011
St. Michaels Drive Branch1790 St Michaels DriveSanta Fe, NM 87501
Customer Service Center Branch2108 Warner AveSanta Fe, NM 87505
Rio Rancho Branch3634 Rio Rancho Boulevard, Suite 101Rio Rancho, NM 87124
Rodeo Road Branch4062 Cerrillos RoadSanta Fe, NM 87505
Espanola Branch460 G Riverside DriveEspanola, NM 87532
Devargas Branch498 North GuadalupeSanta Fe, NM 87501
Albuquerque Branch8220 San Pedro Drive Ne, Suite 200Albuquerque, NM 87113