Century Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Coldwater, MI, Century Bank and Trust serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Century Bank and Trust reported $494M in total assets against $419M in deposits. Returns are notably above industry norms: 1.76% ROA, 12.72% ROE, and 4.47% NIM. Regulatory capital is solid, 22.77% CET1 and 24.00% total risk-based capital ratio. Asset quality is solid, 0.61% nonperforming loans and a 3.63% Texas Ratio. Its footprint covers 11 branches concentrated in Michigan.
As of June 30, 2026, Century Bank and Trust reported a CET1 capital ratio of 22.77%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.61%, a Texas ratio of 3.63%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 W Chicago St, Coldwater, MI 49036
- County
- Branch
- Metro Area
- Coldwater, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- Branch County Bank (1981-1989); Branch County Bank, N.A. (1980-1981)
- Offices
- 11 domestic
- Employees (FTE)
- 95
- Domestic deposits
- $419.0M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $491.3M
- Average total loans
- $266.8M
- Average interest-bearing deposits
- $256.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5015
- Fed RSSD
- 694847
- Website
- www.centurybankandtrust.com →
- Parent Holding Company
- CENTURY FINANCIAL CORPORATION (RSSD 1491856)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Century Bank and Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Century Bank and Trust, freeCentury Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.77% | 1.76% | 0.61% | 3.63% | 4.47% |
| Q1 2026 | 22.98% | 1.93% | 0.64% | 3.35% | 4.30% |
| Q4 2025 | 22.67% | 1.77% | 0.99% | 5.32% | 4.45% |
| Q3 2025 | 22.64% | 2.08% | 1.02% | 4.00% | 4.43% |
| Q2 2025 | 22.00% | 1.78% | 0.95% | 4.61% | 4.44% |
| Q1 2025 | 21.33% | 1.94% | 0.72% | 3.16% | 4.40% |
| Q4 2024 | 20.26% | 1.99% | 1.03% | 4.37% | 4.39% |
| Q3 2024 | 20.20% | 2.17% | 1.18% | 4.67% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank and Trust (main office) | Coldwater , MI | 49036 | $237.9M |
| Sturgis Main | Sturgis , MI | 49091 | $69.1M |
| Quincy Branch | Quincy , MI | 49082 | $27.4M |
| Reading Branch | Reading , MI | 49274 | $25.4M |
| Three Rivers Branch | Three Rivers , MI | 49093 | $19.0M |
| Bronson Branch | Bronson , MI | 49028 | $17.0M |
| Nottawa Branch | Nottawa , MI | 49075 | $16.4M |
| East Branch | Coldwater , MI | 49036 | $4.3M |
| Sturgis West Branch | Sturgis Township , MI | 49091 | $2.7M |
| Auto Bank Drive-In Branch | Coldwater , MI | 49036 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1980 | Structure Change | Acquired Branch County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Century Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MI, rank 51 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Century Bank and Trust
What are Century Bank and Trust's total assets?
As of the Q2 2026 filing, Century Bank and Trust reported total assets of $494.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Century Bank and Trust headquartered?
Century Bank and Trust is headquartered in Coldwater, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Century Bank and Trust founded?
Century Bank and Trust was established in 1909, per the FDIC institution directory.
Is Century Bank and Trust FDIC-insured?
Yes. Century Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #5015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank and Trust?
Century Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Century Bank and Trust's CET1 capital ratio?
Century Bank and Trust reported a Common Equity Tier 1 (CET1) capital ratio of 22.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Century Bank and Trust operate?
Century Bank and Trust operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank and Trust's Texas Ratio?
Century Bank and Trust's Texas Ratio is 3.63% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Century Bank and Trust previously called?
The charter now named Century Bank and Trust has also operated as Branch County Bank (1981-1989), Branch County Bank, N.A. (1980-1981), per FDIC structure-change records.
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