Century Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank and Trust of Coldwater, MI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.76% | 1.34% | +0.42% | 77th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.72% | 13.31% | -0.59% | 52nd above |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 57.22% | 61.14% | -3.92% | 62nd above |
| PPNR / Avg Assets | 2.30% | 1.68% | +0.62% | 84th top |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 0.83% | 1.88% | -1.05% | 95th top |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.70% | -0.23% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 22nd bottom |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 227.97% | 1539.36% | -1311.39% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.63% | 7.33% | -3.70% | 49th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 377.55% | 1396.23% | -1018.68% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.77% | 19.50% | +3.27% | 84th top |
| Tier 1 Ratio | 22.77% | 19.53% | +3.24% | 84th top |
| Total Capital Ratio | 24.00% | 20.62% | +3.38% | 85th top |
| Leverage Ratio | 14.59% | 12.14% | +2.45% | 84th top |
| Equity / Assets | 13.89% | 11.37% | +2.52% | 84th top |
| TCE / Tangible Assets | 13.89% | 11.09% | +2.80% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.88% | 80.64% | -15.76% | 77th top |
| Core Deposit Ratio | 99.39% | 86.85% | +12.54% | 98th top |
| Wholesale Funding Ratio | 1.01% | 5.04% | -4.03% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.66% | 6.85% | -4.19% | 37th below |
| Loan Growth (Y/Y) | 12.08% | 7.90% | +4.18% | 80th top |
| Deposit Growth (Y/Y) | 1.59% | 6.29% | -4.70% | 33rd below |
See Century Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Century Bank and Trust profile, how to read a UBPR, or how this data updates.