Century Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.27 percentage points higher than in Q1 2026, at 227.97%. Century Bank and Trust ranks 15th of 72 Michigan banks on return on assets, in the upper half at 1.76% (Q2 2026). Century Bank and Trust reported 1.76% on return on assets for Q2 2026, 0.51 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.77% |
| Tier 1 risk-based capital ratio | 22.77% |
| Total risk-based capital ratio | 24.00% |
| Tier 1 leverage ratio | 14.59% |
| Equity capital to assets | 13.89% |
| Tangible equity to tangible assets | 13.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.63% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 227.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 12.72% |
| Net interest margin | 4.47% |
| Efficiency ratio | 57.22% |
| Yield on earning assets | 5.31% |
| Cost of funds | 0.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.88% |
| Core deposits to total deposits | 99.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.83% |
| Securities to assets | 27.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.93% | 18.93% | 20.08% | 11.86% | 1.91% |
| Q4 2023 | 19.37% | 19.37% | 20.56% | 11.93% | 1.81% |
| Q1 2024 | 19.01% | 19.01% | 20.17% | 12.01% | 1.69% |
| Q2 2024 | 19.26% | 19.26% | 20.47% | 12.35% | 1.80% |
| Q3 2024 | 20.20% | 20.20% | 21.42% | 12.77% | 2.17% |
| Q4 2024 | 20.26% | 20.26% | 21.48% | 13.04% | 1.99% |
| Q1 2025 | 21.33% | 21.33% | 22.57% | 13.45% | 1.94% |
| Q2 2025 | 22.00% | 22.00% | 23.25% | 13.65% | 1.78% |
| Q3 2025 | 22.64% | 22.64% | 23.89% | 13.68% | 2.08% |
| Q4 2025 | 22.67% | 22.67% | 23.92% | 13.57% | 1.77% |
| Q1 2026 | 22.98% | 22.98% | 24.21% | 14.27% | 1.93% |
| Q2 2026 | 22.77% | 22.77% | 24.00% | 14.59% | 1.76% |
Century Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)