Century Bank and Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 18.6% lower than in Q1 2026, at -$3.0M. On CET1 ratio, Century Bank and Trust ranks 4th highest among the 43 banks headquartered in Michigan, at 22.77% (Q2 2026). Century Bank and Trust's CET1 ratio of 22.77% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 7.70 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.77% |
| Tier 1 risk-based capital ratio | 22.77% |
| Total risk-based capital ratio | 24.00% |
| Tier 1 leverage ratio | 14.59% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.7M |
| Tier 1 capital | $71.7M |
| Total risk-based capital | $75.5M |
| Total equity capital | $68.6M |
| Risk-weighted assets | $314.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.89% |
| Tangible equity to tangible assets | 13.89% |
| Equity capital to average assets | 13.97% |
| Internal capital growth rate | 10.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $19.1M |
| Retained earnings | $49.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.93% | 18.93% | 20.08% | 11.86% | $287.1M |
| Q4 2023 | 19.37% | 19.37% | 20.56% | 11.93% | $285.7M |
| Q1 2024 | 19.01% | 19.01% | 20.17% | 12.01% | $296.7M |
| Q2 2024 | 19.26% | 19.26% | 20.47% | 12.35% | $301.7M |
| Q3 2024 | 20.20% | 20.20% | 21.42% | 12.77% | $298.1M |
| Q4 2024 | 20.26% | 20.26% | 21.48% | 13.04% | $303.4M |
| Q1 2025 | 21.33% | 21.33% | 22.57% | 13.45% | $296.7M |
| Q2 2025 | 22.00% | 22.00% | 23.25% | 13.65% | $295.4M |
| Q3 2025 | 22.64% | 22.64% | 23.89% | 13.68% | $295.2M |
| Q4 2025 | 22.67% | 22.67% | 23.92% | 13.57% | $299.9M |
| Q1 2026 | 22.98% | 22.98% | 24.21% | 14.27% | $304.3M |
| Q2 2026 | 22.77% | 22.77% | 24.00% | 14.59% | $314.8M |
Century Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank and Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5015) · FFIEC NIC profile (RSSD 694847)