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Century Bank and Trust

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

Coldwater, MI

11 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
  • Deposits +1.6% year over year ($419.0M on the books).
  • Delinquency rate 0.67%.
  • Return on assets 1.85%.
  • Efficiency ratio 55.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI
View $100M-$1B leaderboard (MI) →

Century Bank and Trust has 5 strengths but faces 1 concern

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 22.7% in tier
  • + Deposit Franchise: Top 54.3% in tier
  • + ROA 0.53% above tier average
  • + Efficiency Ratio 8.62% below tier average
  • + Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 48.0% in tier
Get updates when Century Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Total Assets ? $494.0M
+2.7% YoY -0.2% QoQ
+$107.4M $386.6M
+1.2% YoY
$1.0B
+6.5% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $268.1M
+12.2% YoY +3.9% QoQ
+$9.8M $258.3M
+1.7% YoY
$767.2M
+9.2% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $419.0M
+1.6% YoY -0.2% QoQ
+$92.3M $326.7M
+0.7% YoY
$806.0M
+5.9% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.85%
+0.3% YoY -4.8% QoQ
+0.53% 1.32%
+10.8% YoY
1.18%
+20.1% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.45%
-0.8% YoY +1.6% QoQ
+0.46% 3.99%
+5.0% YoY
4.06%
+4.7% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 55.86%
-2.2% YoY +3.2% QoQ
-8.62% 64.48%
-3.2% YoY
65.90%
-5.4% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.67%
-39.6% YoY +9.7% QoQ
-0.25% 0.92%
+15.7% YoY
0.85%
+32.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 63.98%
+10.4% YoY +4.1% QoQ
-13.97% 77.95%
+1.0% YoY
80.02%
+3.0% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 64.60%
+79.4% YoY +83.9% QoQ
+42.57% 22.03%
-0.6% YoY
25.55%
-0.4% YoY
21.98%
-0.6% YoY
Top 0.5% in tier
Nonperforming Asset Ratio ? 0.50%
-15.7% YoY +11.5% QoQ
-0.17% 0.67%
+16.4% YoY
0.65%
+27.6% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 22.77%
+3.5% YoY -0.9% QoQ
+6.86% 15.91%
+1.4% YoY
20.80%
-0.9% YoY
17.09%
+0.8% YoY
Top 9.3% in tier
Non-Interest Income / Assets ? 0.58%
+3.5% YoY +109.2% QoQ
+0.01% 0.57%
+7.6% YoY
0.38%
+3.3% YoY
0.66%
+5.2% YoY
Top 7.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Noninterest-Bearing 64.6%
+28.6pp YoY
+29.5pp QoQ
 +42.5pp 22.1% 25.9% 22.2% 100%
Brokered Deposits n/a n/a 7.9% 12.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
C&I 9.9%
-0.9pp YoY
-0.4pp QoQ
 -1.7pp 11.6% 12.8% 12.5% 52%
CRE 41.3%
-0.3pp YoY
+0.8pp QoQ
 +1.8pp 39.5% 45.9% 41.4% 56%
1-4 Family 36.6%
-0.7pp YoY
-0.5pp QoQ
 +4.0pp 32.6% 33.6% 31.3% 64%
Consumer 1.6%
-0.7pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.6% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
CET1 Ratio 22.8%
+0.8pp YoY
-0.2pp QoQ
 +3.9pp 18.8% 26.9% 19.7% 85%
Leverage Ratio 14.6%
+0.9pp YoY
+0.3pp QoQ
 +2.4pp 12.2% 12.3% 12.6% 85%
Total Capital Ratio 24.0%
+0.8pp YoY
-0.2pp QoQ
 +4.1pp 19.9% 27.9% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Full-Time Employees 95
-7 (-6.9%) YoY
-3 (-3.1%) QoQ
 +36 58 134 482 85%
Assets per Employee ($) $5.2M
+10.2% YoY
+2.9% QoQ
 -$2.3M $7.5M $6.8M $8.8M 18%
Branch Count 11
0 YoY
0 QoQ
 +6 4 9 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 53%
Nonaccrual 0.6%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 56%
Allowance Coverage 2.10x
+55.9% YoY
-9.0% QoQ
 -22.05x 24.15x 6.79x 20.23x 49%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
ROE 13.4%
-1.3pp YoY
-0.7pp QoQ
 +1.2pp 12.2% 11.7% 11.6% 59%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.5% 1.7% 7%
Net Income ($, YTD) $4.5M
+2.7% YoY
— QoQ
 +$2.0M $2.6M $7.3M $40.4M 84%

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 (2)

Revenue Diversifier

growth
#151 of 661 • Top 22.7% 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: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.85%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#152 of 278 • Top 54.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 64.60%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.45%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#357 of 742 • Bottom 48.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.77%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 63.98%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

14
Non-Interest-Bearing Deposit Share
funding
Value: 64.60%
Peer Median: 22.03%
#14 of 2643 Top 0.5% in $100M-$1B
190
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#190 of 2643 Top 7.2% in $100M-$1B
246
Tier 1 Capital Ratio
capital
Value: 22.77%
Peer Median: 15.91%
#246 of 2643 Top 9.3% in $100M-$1B
467
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#467 of 2643 Top 17.6% in $100M-$1B
590
Loan-to-Deposit Ratio
liquidity
Value: 63.98%
Peer Median: 77.95%
#590 of 2643 Top 22.3% in $100M-$1B
599
Net Interest Margin
profitability
Value: 4.45%
Peer Median: 3.99%
#599 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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