Century Bank and Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of interest-bearing liabilities rose 0.34 percentage points from Q1 2026 to Q2 2026, ending at 1.81% against 1.47%. It was the largest change among the key lines on this page. Within Michigan, Century Bank and Trust is 18th of 72 on net interest margin, 4.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Century Bank and Trust sits 0.52 points higher, at 4.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.42% |
| Yield on securities | 3.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.83% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $974K |
| Interest expense on deposits | $930K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.00% | 0.59% | 4.19% | 6.09% | 3.39% |
| Q4 2023 | 5.21% | 0.67% | 4.31% | 6.38% | 3.45% |
| Q1 2024 | 5.24% | 0.84% | 4.23% | 6.41% | 3.45% |
| Q2 2024 | 5.33% | 0.84% | 4.32% | 6.41% | 3.51% |
| Q3 2024 | 5.52% | 0.76% | 4.51% | 6.66% | 3.58% |
| Q4 2024 | 5.32% | 0.71% | 4.39% | 6.58% | 3.48% |
| Q1 2025 | 5.25% | 0.71% | 4.40% | 6.46% | 3.72% |
| Q2 2025 | 5.34% | 0.76% | 4.44% | 6.58% | 3.78% |
| Q3 2025 | 5.44% | 0.86% | 4.43% | 6.70% | 3.84% |
| Q4 2025 | 5.49% | 1.16% | 4.45% | 6.72% | 4.13% |
| Q1 2026 | 5.15% | 0.97% | 4.30% | 6.38% | 3.62% |
| Q2 2026 | 5.31% | 0.83% | 4.47% | 6.42% | 3.86% |
Century Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank and Trust, freeSource: Call Report Schedules RI and RC-K, 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)