Century Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 5.51 percentage points in Q2 2026, from 32.62% to 27.12%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $271.9M |
| Net loans and leases | $268.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.04% |
| Loan-to-deposit ratio | 64.88% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.67% |
| Multifamily (5+ residential) | 3.54% |
| Commercial and industrial | 9.76% |
| Consumer | 1.54% |
| Credit cards | 0.00% |
| Farm | 5.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.93% |
| Construction concentration (Tier 1 capital + allowance) | 27.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.42% |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $219.1M | $401.6M | 30.55% | 8.13% | 3.17% |
| Q4 2023 | $219.7M | $416.2M | 28.27% | 9.80% | 3.09% |
| Q1 2024 | $226.8M | $414.8M | 27.82% | 9.65% | 3.03% |
| Q2 2024 | $239.4M | $409.5M | 27.78% | 9.64% | 2.73% |
| Q3 2024 | $239.1M | $403.8M | 28.05% | 9.67% | 2.66% |
| Q4 2024 | $232.9M | $401.8M | 28.32% | 9.54% | 2.56% |
| Q1 2025 | $237.0M | $415.7M | 29.23% | 9.64% | 2.38% |
| Q2 2025 | $242.6M | $412.5M | 29.01% | 10.67% | 2.21% |
| Q3 2025 | $245.6M | $420.4M | 29.08% | 9.60% | 1.99% |
| Q4 2025 | $253.5M | $403.6M | 28.03% | 9.99% | 1.84% |
| Q1 2026 | $261.7M | $419.7M | 27.09% | 10.15% | 1.62% |
| Q2 2026 | $271.9M | $419.0M | 29.67% | 9.76% | 1.54% |
Century Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank and Trust, freeSource: Call Report Schedule RC-C, 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)