Century Bank and Trust

BankColdwater, Michigan
www.centurybankandtrust.com

Total Assets

$476.8M

Total Deposits

$403.6M

Branches

11

Established

1909

TFS Health Grade

$
C+

78.3 / 100

Average financial health

How we grade

Century Bank and Trust is a bank headquartered in Coldwater, Michigan, established in 1909. With $476.8M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C+ (78.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.57%(8%)
Total Capital Ratio
23.93%(10%)
Non-Performing Loan Ratio
1.07%

Profitability

Return on Assets (ROA)
1.91%(1%)
Return on Equity (ROE)
14.79%(10%)
Net Interest Margin
4.52%
Efficiency Ratio
55.37%(60%)

Lending & Liquidity

Total Loans
$253.5M
Loan-to-Deposit Ratio
61.90%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+2.05%
Deposit Growth (YoY)
+0.44%
Net Income
$9.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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