BlastPoint's Banking Scorecard

Century Bank and Trust

$100M-$1B Specialty: Commercial MI FDIC cert 5015

Coldwater, MI

11 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Century Bank and Trust demonstrates 6 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 22.4% in tier
+ Non-Interest-Bearing Deposit Share 13.10% above tier average
+ ROA 0.68% above tier average
+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 11.14% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$495.0M +2.4% YoY +3.8% QoQ	+$108.9M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$258.1M +10.6% YoY +3.3% QoQ	+$2.4M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$419.7M +1.0% YoY +4.0% QoQ	+$91.8M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	1.95% +1.2% YoY +2.0% QoQ	+0.68%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 13.7% in tier
Net Interest Margin ?	4.38% -1.9% YoY -3.2% QoQ	+0.45%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	54.14% -2.0% YoY -2.2% QoQ	-11.14%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.61% -13.2% YoY -43.5% QoQ	-0.28%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	61.49% +9.5% YoY -0.7% QoQ	-15.15%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	35.12% -1.7% YoY -0.7% QoQ	+13.10%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 9.8% in tier
Nonperforming Asset Ratio ?	0.45% +17.7% YoY -36.1% QoQ	-0.19%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	22.98% +7.8% YoY +1.3% QoQ	+7.15%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	Top 8.5% in tier
Non-Interest Income / Assets ?	0.28% +0.1% YoY -75.7% QoQ	+0.00%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 7.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#150 of 666 • Top 22.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.28%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.95%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

204

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#204 of 2664 Top 7.6% in $100M-$1B

227

Tier 1 Capital Ratio

capital

Value: 22.98%

Peer Median: 15.83%

#227 of 2664 Top 8.5% in $100M-$1B

261

Non-Interest-Bearing Deposit Share

funding

Value: 35.12%

Peer Median: 22.02%

#261 of 2664 Top 9.8% in $100M-$1B

366

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.27%

#366 of 2664 Top 13.7% in $100M-$1B

546

Loan-to-Deposit Ratio

liquidity

Value: 61.49%

Peer Median: 76.64%

#546 of 2664 Top 20.5% in $100M-$1B

614

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.93%

#614 of 2664 Top 23.0% in $100M-$1B

651

Efficiency Ratio

profitability

Value: 54.14%

Peer Median: 65.29%

#651 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available