My Century Bank
Century Bank is a privately held, state-chartered community bank founded in 1887, serving individuals, SMBs, commercial borrowers, and high-net-worth clients across New Mexico (8 branches) and Texas (2 loan production offices) with deposit products, consumer and commercial lending, treasury management, and wealth and trust services.
- Company typePrivate
- Founded1887
- HeadquartersSanta Fe, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What My Century Bank does
Century Bank (DBA My Century Bank) is a privately held, state-chartered community bank headquartered in Santa Fe, New Mexico, operating since August 1887 when it was founded as Mutual Building and Loan Association with $500 in initial capital. The bank serves individuals, small and medium businesses, commercial borrowers, and high-net-worth clients through eight physical branches across New Mexico (Santa Fe, Española, Los Alamos, Albuquerque, Las Cruces) and two loan production offices in Irving (Dallas) and Houston, Texas. With approximately 180 employees and local decision-making, the bank pursues a relationship-led model emphasizing face-to-face lending, community involvement, and cross-sell across deposit, lending, treasury management, and wealth services.
The product portfolio spans consumer deposit products (checking, savings, CDs, IRAs, debit cards with mobile wallet integration), consumer loans (auto, RV, home equity lines of credit, lot/construction, personal credit cards), full-spectrum commercial lending (working capital, equipment, acquisition, CRE, construction, premium finance), treasury management (ACH, wires, Positive Pay, remote deposit, lockbox, SmartSafe, merchant services), and wealth management/trust services delivered through the Century Trust and Asset Management Division. Technology infrastructure includes native iOS/Android mobile apps, online banking with Secure Access Code MFA, the Fraud Center (transaction profiling for debit card fraud detection), MyCardRules card control app, and TrustReporter (web-based trust account portal with 128-bit SSL encryption). Partnerships extend reach without in-house buildout: Guild Mortgage (co-located mortgage origination), MoneyPass (surcharge-free ATM network), and Fitech (merchant card processing).
Revenue is generated primarily through net interest income on the lending book, supplemented by deposit account service charges, treasury management fees, and wealth/trust management fees. Distribution is omnichannel: physical branches, commercial relationship managers in NM and TX, online and mobile banking, telephone banking, and MoneyPass ATMs. The bank's market position is anchored in 130+ years of New Mexico community presence, SBA Lender and Equal Housing Lender designations, FDIC insurance, and NMLS licensure (NMLS #556023).
My Century Bank firmographics
Firmographics- Name
- My Century Bank
- Legal name
- Century Bank
- Website
- https://mycenturybank.com
- Company type
- Private
- Founded year
- 1887
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Century Bank is a privately held, state-chartered community bank founded in 1887, serving individuals, SMBs, commercial borrowers, and high-net-worth clients across New Mexico (8 branches) and Texas (2 loan production offices) with deposit products, consumer and commercial lending, treasury management, and wealth and trust services.
- Ownership category
- akta.pro rank
My Century Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
- akta.pro secondary industries
- Real Estate (Commercial Property, REITs) (FSABACAH), Corporate Cash Management & Treasury Services (FSAMAOAA)
Keywords
Where My Century Bank is headquartered
LocationHeadquarters
- HQ city
- Santa Fe
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
My Century Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income from Lending: Primary revenue stream from interest earned on various loan products including commercial loans, consumer loans, mortgage loans, home equity lines of credit, construction loans, and business loans. Century Bank is a full-service community bank supporting commercial loans, small business loans, mortgage loans, consumer loans, and wealth management services.
- Deposit Account Fees and Service Charges: Monthly service fees on checking and savings accounts when minimum balance requirements are not met, eStatement vs paper statement fees, and other account-related service charges.
- Business Savings and Deposit Products: Interest-bearing business savings accounts, commercial deposit services, and treasury management solutions generating fee income.
- Wealth Management and Trust Services: Fee-based investment management, wealth planning, and trust administration services provided through Century Trust and Asset Management Division.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Liberty Checking Account - 1.00% APY promotional rate |
| Subscription | Monthly | Liberty Savings Account - 2.00% APY promotional rate |
| Subscription | Pay-as-you-go | 3 Month Special CD - 3.50% APY |
| Subscription | Pay-as-you-go | 7 Month CD Special - 3.10% APY |
| Subscription | Pay-as-you-go | 11 Month CD Special - 3.30% APY |
| Usage-based | Monthly | Home Equity Line of Credit - 6.25% APR promotional rate |
| Subscription | Monthly | High Performance Business Savings Account |
| Subscription | Annual | Retirement Accounts - Various Terms |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels6 records
My Century Bank product offering
Product offeringCore offering
Century Bank is a full-service community bank offering personal deposit accounts (checking, savings, CDs, IRAs), consumer loans (auto, RV, home equity, lines of credit, lot/construction), business banking (checking, savings, loans and lines of credit), commercial lending (working capital, real estate, construction, premium finance, syndications), treasury management, and wealth management and trust services through its Century Trust and Asset Management Division. Services are delivered across 8 New Mexico branches, two Texas loan production offices, and digital channels including online banking, mobile apps, and MoneyPass ATMs.
Product overview
Century Bank operates as a community bank offering a unified portfolio of personal, business, commercial, and wealth management products and services. The core banking platform encompasses deposit products (checking, savings, CDs), lending (consumer, commercial, construction, HELOC, auto/RV), and digital banking via eBanking/Mobile App. Treasury Management and TrustReporter extend the platform for commercial and wealth clients. Value-added fraud protection is delivered through the Fraud Center (transaction profiling) and MyCardRules mobile app. Wealth Management integrates planning, investment, and trust administration services. The bank primarily serves New Mexico communities with physical branches, supplemented by digital channels.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Personal checking account offerings including the Liberty Checking account with 1.00% APY promotional rate, $500 minimum deposit to open, and $1,000 minimum daily balance to avoid a $10 monthly service fee; eStatements are free and paper statements are $5/month.
- Personal Savings and Money Market Accounts Personal savings accounts including the Liberty Savings account offering 2.00% APY, $2,000 minimum deposit to open and a $2,000 minimum daily balance to earn APY and avoid the $10 monthly service fee, plus Liberty Money Market accounts promoted on the bank's featured rates page.
- Certificates of Deposit (CDs) Time-deposit CDs including a 7-Month CD Special at 3.10% APY, an 11-Month CD Special at 3.30% APY (rates effective 9/8/2025, $1,000 minimum, auto-renew), and a 3-Month CD Special at 3.50% APY with $5,000 minimum. Must be opened with or maintain a Century Bank checking account.
- Retirement Accounts (IRAs) Individual Retirement Accounts offered in various terms: 1-year IRA at 2.52% APY, 2-year IRA at 2.27% APY, 3-5 year IRA at 1.76% APY, and a Market Rate IRA at 0.50% APY.
- VISA Debit Card EMV-chip VISA debit card with Tap to Pay contactless capability, daily POS limit of $1,500 and ATM withdrawal limit of $1,000, with fraud protection and support for Apple Pay, Google Pay, and Samsung Pay.
- eBanking (Online and Mobile Banking) Secure online banking platform and native iOS and Android mobile apps offering 24/7 account access for balance inquiries, fund transfers, bill pay, mobile deposits, statement access, and business online banking with role assignment and dual-control capabilities; includes Secure Access Code multi-factor authentication.
- Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity for New Mexico homeowners. Promotion offers a 6.25% APR fixed rate for the first 24 months, transitioning to a variable rate of WSJ Prime plus 1.50% or 2.00% after the promotional period, with a $50 annual fee during the draw period and eligibility limited to owner-occupied primary residences of customers who maintain a Century Bank checking account.
- Auto and RV Loans Vehicle financing for personal use including automobiles and recreational vehicles (RVs).
- Personal Lot and Construction Loans Land purchase and construction financing for personal residential and related projects.
- Personal Lines of Credit and Personal Credit Cards Revolving personal lines of credit and personal credit card products for consumer borrowing needs.
- Business Checking Business checking account with integrated online banking, ACH capabilities, and access to treasury management services for business customers.
- High Performance Business Savings Interest-bearing business savings account with $25 minimum to open, $100 minimum daily balance to avoid the $2 monthly service fee, and competitive interest on balances of $100 or more; eStatements are free and paper statements are $5 per cycle.
- Business Loans and Lines of Credit Lending products for small and medium businesses supporting working capital, equipment financing, business expansion, and other commercial needs.
- Treasury Management Comprehensive cash management services including electronic statements, stop payments, zero balance accounts, investment/credit sweeps, ACH filters and blocks, Positive Pay, remote deposit, lockbox, SmartSafe, merchant services, wire transfers, and BAI file format reporting.
- Commercial Loans and Lines of Credit Commercial lending products including working capital, equipment financing, acquisition and expansion loans, real estate purchase and refinance, apartment financing, commercial land purchase, development loans, and construction loans for businesses and not-for-profit organizations.
- Premium Finance Lending Specialized commercial lending for premium finance needs, managed by Regional President Todd Collinsworth in Dallas, Texas.
- Wealth Management Comprehensive wealth services for individuals, families, businesses, non-profits, and municipalities through the Century Trust and Asset Management Division, including wealth planning, investment management, and private banking.
- Wealth Planning Wealth and financial planning services supporting goal-based retirement, estate, and gifting strategies for high-net-worth clients.
- Investment Management Discretionary investment management services delivered as part of Century Bank's private banking and wealth management platform.
- Trust and Estate Administration Trust and estate administration services for individuals, families, businesses, non-profits, and municipalities, delivered through the Century Trust and Asset Management Division and supported by the TrustReporter client portal.
- TrustReporter Trust Account Portal Dynamic web-based solution providing 24/7 access to trust account information via secured Internet connection using 128-bit SSL encryption from VeriSign; supports daily account updates, historical data, downloadable statements in Excel/Word/ASCII, and online statements.
Quantifiable outcome
- Founded in 1887 with $500, growing to serve New Mexico and Texas markets with 8 branches and 180 employees
Companies that use My Century Bank
Customer profileNamed customers15 records
Segments5 records
Ideal customer profiles3 records
My Century Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature4 records
My Century Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Guild MortgagecoreGuild Mortgage branch is co-located at Century Bank's Albuquerque location, providing mortgage lending services to bank customers. This partnership allows seamless mortgage financing options for existing bank customers.
- MoneyPasscoreMoneyPass ATM network partnership provides Century Bank customers with access to tens of thousands of surcharge-free ATMs throughout the US. No foreign ATM service charge when using MoneyPass ATMs.
- Greater Albuquerque Chamber of CommerceminorCentury Bank supports this chamber as part of economic development efforts in New Mexico communities served.
- Santa Fe Chamber of CommerceminorCentury Bank supports this chamber as part of economic development efforts in New Mexico communities served.
- Española Valley Chamber of CommerceminorCentury Bank supports this chamber as part of economic development efforts in New Mexico communities served.
- Los Alamos Chamber of CommerceminorCentury Bank supports this chamber as part of economic development efforts in New Mexico communities served.
- Las Cruces Chamber of CommerceminorCentury Bank supports this chamber as part of economic development efforts in New Mexico communities served.
Scale indicators5 records
Recent moves8 records
Expansion highlights6 records
My Century Bank competitors and assessment
Company assessmentDirect peers
- Heartland Financial USA (HTLF): Multi-state community bank holding company operating independent community-bank charters across the Midwest, Southwest and West with full-service deposit, commercial, and wealth management offerings. Closely mirrors Century's community-bank model with multi-state geographic diversification.
- Glacier Bancorp: Community-bank holding company operating independent community bank subsidiaries across the Western US with deposit, commercial lending, mortgage, and wealth management products. Operationally very similar to a multi-branch community bank with treasury and CRE focus.
- Enterprise Bancorp: Massachusetts-based community bank with full-service personal, commercial, and wealth management offerings and a strong branch-based relationship model. Comparable business mix and emphasis on local decision-making, though regional rather than in NM.
- Pinnacle Financial Partners: High-touch community bank with strong commercial banking, treasury management, and wealth management franchises serving SMBs and high-net-worth clients. Closely comparable in product breadth and relationship-banking GTM motion, though operating in the Southeast US.
- First National Bank of Santa Fe: Headquartered community bank serving Santa Fe and surrounding New Mexico markets with personal, business, and wealth services. Directly competes with Century Bank for SMB deposits, mortgages, and commercial lending relationships in the same Santa Fe footprint.
- Bank of Albuquerque (BOK Financial subsidiary): BOK Financial's New Mexico commercial banking subsidiary with full-service branches and commercial/wealth capabilities in Albuquerque. Competes head-to-head with Century's Albuquerque branch and New Mexico CRE/business banking share.
Broad incumbents
- First Financial Bank (Texas): Texas-headquartered community bank with broad consumer, commercial, and wealth management franchise across major Texas metros. Comparable to Century's Texas LPO strategy but with full in-state retail presence and deposit gathering — a likely competitive overlap in Century's Dallas/Houston origination markets.
- BOK Financial: Regional bank holding company with substantial commercial banking, treasury, and wealth management businesses across multiple states including New Mexico (via Bank of Albuquerque). Operates as the most direct scaled incumbent overlapping Century's core NM deposit and commercial banking markets.
- WaFd Bank (formerly Washington Federal): Multi-state community-oriented bank with deep mortgage and CRE lending franchise evolved from a federally chartered savings association. Closely comparable operating model and product mix (deposits, CRE, consumer lending, wealth) but at far greater scale and multi-state footprint.
- International Bank of Commerce (IBC): Texas-based community-oriented bank with strong commercial and consumer banking franchise and significant Texas border/Mexico trade banking presence. Compares to Century's Texas LPO operations and SBA/treasury product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
My Century Bank social profiles
Digital presenceMy Century Bank compliance and trust
Trust signalCompliance5 records
My Century Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
My Century Bank leadership team
Management profileNumber of profiles
Profiles13 records
My Century Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
My Century Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about My Century Bank
What does My Century Bank do?
Century Bank is a full-service community bank offering personal deposit accounts (checking, savings, CDs, IRAs), consumer loans (auto, RV, home equity, lines of credit, lot/construction), business banking (checking, savings, loans and lines of credit), commercial lending (working capital, real estate, construction, premium finance, syndications), treasury management, and wealth management and trust services through its Century Trust and Asset Management Division. Services are delivered across 8 New Mexico branches, two Texas loan production offices, and digital channels including online banking, mobile apps, and MoneyPass ATMs.
Is My Century Bank a public or private company?
My Century Bank is a private company. It is classified as unknown and is currently operating.
When was My Century Bank founded?
My Century Bank was founded in 1887. It employs 51 to 100 people.
Where is My Century Bank based?
My Century Bank is headquartered in Santa Fe, United States, in the North America region.
How does My Century Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Service Charges, business Savings and Deposit Products and wealth Management and Trust Services.
Who are My Century Bank's main competitors?
Direct peers on record are Heartland Financial USA (HTLF), Glacier Bancorp, Enterprise Bancorp, Pinnacle Financial Partners, First National Bank of Santa Fe and Bank of Albuquerque (BOK Financial subsidiary). Broad incumbents are First Financial Bank (Texas), BOK Financial, WaFd Bank (formerly Washington Federal) and International Bank of Commerce (IBC).
Does My Century Bank have an API?
No public API is recorded for My Century Bank.
What industry is My Century Bank in?
My Century Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 52211 and its SIC code is 6022.