Century Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Century Bank and Trust is an FDIC-insured commercial bank headquartered in Coldwater, MI, established in 1909 (FDIC certificate 5015), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $494.0M, up 2.7% from Q2 2025, the 34th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 22.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5015
- Headquarters
- Coldwater, MI
- Established
- 1909
- Total assets, Q2 2026
- $494.0M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 22.77%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 072404883
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank and Trust call report
- Holding company
- CENTURY FINANCIAL CORPORATION
- Asset rank in state
- 34th of 72 in Michigan
Century Bank and Trust, based in Coldwater, Michigan, reported $494 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 0.95% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 14.59% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 12.1% and deposits rose 1.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.66% of loans, down from 1.10% a year earlier.
As of June 30, 2026, Century Bank and Trust reported a CET1 capital ratio of 22.77%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 3.41%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Century Bank and Trust is the 34th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $494.0M, loans rose 3.9% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.1% of total loans, followed by owner-occupied commercial real estate loans at 17.2%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in MI; its Coldwater 3 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Century Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W Chicago St, Coldwater, MI 49036
- County
- Branch
- Metro Area
- Coldwater, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- Branch County Bank (1981-1989); Branch County Bank, N.A. (1980-1981)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $419.0M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $491.3M
- Average total loans
- $266.8M
- Average interest-bearing deposits
- $256.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5015
- Fed RSSD
- 694847
- Website
- www.centurybankandtrust.com →
- Parent Holding Company
- CENTURY FINANCIAL CORPORATION (RSSD 1491856)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Century Bank and Trust's total assets ranged from $456.0M (Q3 2023) to $495.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$494.0M total assets against $481.2M; $425.4M total liabilities against $419.3M.
$268.1M net loans and leases against $239.0M; $419.0M total deposits against $412.5M.
$136.3M securities against $144.4M; $64.9M cash and balances due against $78.5M.
$6.1M total interest income against $6.1M; $974K total interest expense against $1.0M.
$5.2M net interest income against $5.0M.
$1.5M total noninterest income against $1.4M; $3.8M total noninterest expense against $3.8M.
$185K provision for credit losses against $0.
$2.2M net income against $2.1M.
1.76% return on assets against 1.78%; 4.47% net interest margin against 4.44%.
22.77% CET1 capital ratio against 22.00%; 14.59% tier 1 leverage ratio against 13.65%.
Inside the full Century Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentury Bank and Trust rankings
Its closest position to the top of a national ranking is 224 of 2,134, for CET1 ratio; its furthest is 1,740 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.76% (Q2 2026) to 2.17% (Q3 2024) and its net interest margin ran from 4.30% (Q1 2026) to 4.51% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.77% | 1.76% | 0.66% | 3.41% | 4.47% |
| Q1 2026 | 22.98% | 1.93% | 0.60% | 3.13% | 4.30% |
| Q4 2025 | 22.67% | 1.77% | 1.07% | 4.80% | 4.45% |
| Q3 2025 | 22.64% | 2.08% | 0.97% | 3.76% | 4.43% |
| Q2 2025 | 22.00% | 1.78% | 1.10% | 4.36% | 4.44% |
| Q1 2025 | 21.33% | 1.94% | 0.69% | 2.89% | 4.40% |
| Q4 2024 | 20.26% | 1.99% | 0.98% | 4.09% | 4.39% |
| Q3 2024 | 20.20% | 2.17% | 1.06% | 4.19% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank and Trust (main office) | Coldwater , MI | 49036 | $237.9M |
| Sturgis Main | Sturgis , MI | 49091 | $69.1M |
| Quincy Branch | Quincy , MI | 49082 | $27.4M |
| Reading Branch | Reading , MI | 49274 | $25.4M |
| Three Rivers Branch | Three Rivers , MI | 49093 | $19.0M |
| Bronson Branch | Bronson , MI | 49028 | $17.0M |
| Nottawa Branch | Nottawa , MI | 49075 | $16.4M |
| East Branch | Coldwater , MI | 49036 | $4.3M |
| Sturgis West Branch | Sturgis Township , MI | 49091 | $2.7M |
| Auto Bank Drive-In Branch | Coldwater , MI | 49036 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1980 | Structure Change | Acquired Branch County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MI, rank 51 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Bank and Trust
What are Century Bank and Trust's total assets?
As of the Q2 2026 filing, Century Bank and Trust reported total assets of $494.0 million in its FFIEC call report.
Where is Century Bank and Trust headquartered?
It is headquartered in Coldwater, MI, United States.
When was Century Bank and Trust founded?
It was established in 1909, per the FDIC institution directory.
Is Century Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank and Trust?
Century Bank and Trust's primary federal regulator is the FDIC.
What is Century Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Century Bank and Trust operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank and Trust's Texas Ratio?
Its Texas Ratio is 3.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Century Bank and Trust previously called?
The charter now named Century Bank and Trust has also operated as Branch County Bank (1981-1989), Branch County Bank, N.A. (1980-1981), per FDIC structure-change records.
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