CENTURY BANK AND TRUST

COLDWATER, MI | Small | Est. Jan. 1, 1909, midnight | FDIC #5015 | RSSD #694847 | FDIC
Latest Report: 2025-12-31

CENTURY BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in COLDWATER, MI, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $477M and total deposits of $404M. Profitability stands at 1.83% ROA and 13.56% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 22.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.85% and a Texas Ratio of 4.00%. FDIC Certificate #5015.

Assets

$477M

Deposits

$404M

Loans

$254M

Equity

$66M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 13.56%
Net Interest Margin (NIM) 4.64%
Yield on Assets 5.73%
Cost of Funds 1.17%

Asset Quality

NPL Ratio 0.85%
Net Charge-Off Ratio 0.04%
Texas Ratio 4.00%
NPA Ratio 0.58%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 22.68%
Tier 1 Capital 22.68%
Total Capital Ratio 23.93%
Leverage Ratio 13.57%
Loan-to-Deposit 62.81%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required