FDIC Cert #28860 · Trinidad, Colorado · Est. 1903

Century Savings and Loan Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$76M
Total assets
C
Health grade · Fair
-1.23%
Return on assets
16.6%
Tier 1 capital

Data updated July 2026

The verdict

Century Savings and Loan Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 16.56% Tier 1, -1.23% ROA, 109% efficiency ratio.

#3,943
largest of 4,313 FDIC banks by assets
9th
percentile by asset size, nationally
16.56%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 28860 · CO C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3831/4307
  • PHOTO-FINISH Sunnyside Federal Sa… · NY
  • TIER1-WELL 16.6% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-LOSS -1.23% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Sunnyside Federal Savings and Loan Association of Irvington, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Century Savings and Loan Association

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Century Savings and… · CO · …60/100First Federal Saving… · OH ·…60/100Milton Savings Bank · PA · n…60/100Sunnyside Federal Sa… · NY ·…60/100The Brookville Build… · OH ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Savings and Loan Association · July 2026

Call Report read for Century Savings and Loan Association in a high-failure state

Century Savings and Loan Association (FDIC Cert #28860) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,831 of 4,307. Tier 1 capital prints at 16.56%, clearing the 10% well-capitalized line. The Texas Ratio is 2.50%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.23%. Balance-sheet scale is $76M, 3,943rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sunnyside Federal Savings and Loan Association of Irvington (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Century Savings and Loan Association

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

Century Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Century Savings and Loan Association's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

How Century Savings and Loan Association's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Century Savings and Loan Association's composite health score
Tier 1 Capital Ratio (16.56%) 40/40
Return on Assets (ROA) (-1.23%) 0/25
Texas Ratio (2.50%) 20/20
Efficiency Ratio (108.53%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$76M

Total balance-sheet footings

Total Deposits

$62M

Customer-funded liabilities

Net Loans

$40M

Outstanding loan book

Net Income

$-921K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.16% 16.56% 17.96%
Basel III capital ratios - Century Savings and Loan Association

Where Century Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Savings and Loan Association's score of 60/100 falls in the highlighted band.

Century Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Century Savings and Loan Association 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Century Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Century Savings and Loan Association's $76M falls in the highlighted band.

Capital & credit buffers at Century Savings and Loan Association

Tier 1 capital ratio
Well-capitalized 10%

16.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.56%
Texas Ratio
2.50%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: Century Savings and Loan Association

Return on Assets (ROA)
2nd percentile nationally
-1.23%
Return on Equity (ROE)
-8.77%
Efficiency Ratio
108.53%

What these mean →

Income & expense: loss period at Century Savings and Loan Association

$3M
Interest Income
$111K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Savings and Loan Association reports a Texas Ratio of 2.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Century Savings and Loan Association

Century Savings and Loan Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-921K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Century Savings and Loan Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Century Savings and Loan Association on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($76M here), outside Colorado so the neighborhood is not state containment.

The Farmers State Bank $76M · IA Amory First Savings And Loan Bank, Ssb $76M · MS Marseilles Bank $76M · IL Citizens Savings Bank $75M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Savings and Loan Association (FDIC Cert #28860) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Century Savings and Loan Association Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%