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Century Bank and Trust Locations & Branches Coldwater, Michigan
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Century Bank and Trust operates 10 branches from its headquarters in Coldwater, MI, .
Century Bank and Trust branch network
All 10 branches are in MICHIGAN, across 8 cities. Coldwater, MI has the most of its branches, 3. Its largest office by deposits is its main office in Coldwater, MI, with $237.9M (56.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Century Bank and Trust at a glance
Its CET1 capital ratio was 22.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $494.0M
- CET1 ratio, Q2 2026
- 22.77%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1909
Full financial profile · Is Century Bank and Trust safe? · Century Bank and Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Coldwater, MI (3 branches) | 2 of 5 | 27.3% | $242.2M |
| State: MI (10 branches) | 51 of 95 | 0.1% | $419.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Century Bank and Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Branch, MI (5 branches) | 2 of 6 | 28.0% | $286.5M | $1.02B |
| St. Joseph, MI (4 branches) | 3 of 8 | 10.3% | $107.1M | $1.04B |
| Hillsdale, MI (1 branch) | 5 of 5 | 3.3% | $25.4M | $770.2M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Coldwater, MI (5 branches) | 2 of 6 | 28.0% | $286.5M | $1.02B |
| Sturgis, MI (4 branches) | 3 of 8 | 10.3% | $107.1M | $1.04B |
| Hillsdale, MI (1 branch) | 5 of 5 | 3.3% | $25.4M | $770.2M |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5015) · FFIEC NIC profile (RSSD 694847)