Century Bank and Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio climbed 2.53 percentage points in Q2 2026, from 62.35% to 64.88%. It was the largest change from Q1 2026 among the key lines here. Century Bank and Trust ranks 58th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 64.88% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Century Bank and Trust sits 15.96 points lower, at 64.88% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $201.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.88% |
| Net loans and leases to deposits | 63.98% |
| Loans and leases to core deposits | 65.28% |
| Core deposits to total deposits | 99.39% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 54.57% | 99.07% | $0 | $5.5M |
| Q4 2023 | 52.79% | 98.96% | $0 | $5.5M |
| Q1 2024 | 54.68% | 98.88% | $0 | $5.5M |
| Q2 2024 | 58.48% | 99.05% | $0 | $5.0M |
| Q3 2024 | 59.20% | 99.22% | $0 | $5.0M |
| Q4 2024 | 57.96% | 99.14% | $0 | $5.0M |
| Q1 2025 | 57.01% | 99.25% | $0 | $5.0M |
| Q2 2025 | 58.81% | 99.05% | $0 | $5.0M |
| Q3 2025 | 58.43% | 99.13% | $0 | $5.0M |
| Q4 2025 | 62.81% | 98.36% | $0 | $5.0M |
| Q1 2026 | 62.35% | 99.17% | $0 | $5.0M |
| Q2 2026 | 64.88% | 99.39% | $0 | $5.0M |
Century Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank and Trust, freeSource: Call Report Schedules RC and RC-M, 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)