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Century Bank and Trust

Coldwater, MI · Cert 5015 · Century Financial Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century Bank and Trust

Coldwater, MI · Cert 5015 · Century Financial Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$494.0MAssets
$271.9MLoans
$419.0MDeposits
$68.6MEquity
Loan mix
87%RE $214.0M11%C&I $26.6M2%Consumer $4.2MQ3 2024Q2 2026
Deposit mix
35%Interest-bearing $148.3M65%Noninterest $270.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.85%, unchanged from a year ago; NIM at 4.13%.
  • Asset quality: problem loans at 0.66% of loans (-43 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 14.59%, up 94 bps from a year ago.
  • Funding: loans stand at 64.88% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.85%0 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-8 bps YoY

Efficiency Ratio (YTD, annualized)

55.86%-125 bps YoY

Tier 1 Leverage Ratio

14.59%+94 bps YoY

NIM

5.03%Q2 ’245.04%Q2 ’254.93%Q2 ’26+4%-2%

Non-interest income vs. expense

2.97%Q2 ’243.05%Q2 ’252.96%Q2 ’26+6%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.91%1.92%1.85%1.93%1.91%1.95%1.85%0 bps
Return on Equity16.83%16.80%15.61%14.77%15.21%14.79%14.18%13.44%-133 bps
Net Interest Margin4.11%4.14%4.22%4.20%4.12%4.05%4.06%4.13%-8 bps
Efficiency Ratio54.48%54.63%55.24%57.10%55.09%55.37%54.14%55.86%-125 bps
Non-Interest Burden1.71%1.72%1.82%1.92%1.77%1.76%1.69%1.79%-12 bps
Growth
Asset Growth (YoY)2.86%-1.49%2.08%2.40%4.99%2.05%2.41%2.66%+27 bps
Loan Growth (YoY)9.11%6.00%4.48%1.30%2.75%8.83%10.45%12.08%+1,078 bps
Deposit Growth (YoY)0.56%-3.45%0.22%0.74%4.11%0.44%0.98%1.59%+85 bps
Asset Quality
Nonperforming Loans / Loans1.06%0.98%0.69%1.10%0.97%1.07%0.60%0.66%-43 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.01%0.01%0.04%0.00%0.04%+2 bps
Allowance / Loans1.48%1.55%1.51%1.48%1.46%1.44%1.39%1.39%-9 bps
Allowance Coverage of NPLs1.4x1.6x2.2x1.3x1.5x1.3x2.3x2.1x+0.8x
Capital
Tier 1 Leverage Ratio12.77%13.04%13.45%13.65%13.68%13.57%14.27%14.59%+94 bps
Total Risk-Based Capital21.42%21.48%22.57%23.25%23.89%23.92%24.21%24.00%+76 bps
Equity / Assets12.19%12.21%12.44%12.87%13.15%13.86%13.61%13.89%+103 bps
Liquidity & Funding
Loans / Deposits59.20%57.96%57.01%58.81%58.43%62.81%62.35%64.88%+608 bps
Liquid Assets / Assets19.11%17.67%18.81%16.55%18.51%15.49%16.91%13.51%-304 bps
CRE / Total Capitaln/an/an/an/a151.84%152.78%149.65%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Century Bank and Trust

Coldwater, MI · Cert 5015 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Century Financial Corp.

State charter, non-member · FDIC · 10 branches

Q2 2026

$494.0MAssets
$271.9MLoans
$419.0MDeposits
$68.6MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 90% of banks under $1B in assets operating in a single state (rank 78 of 746).
  • Widest gap: net charge-offs / loans trails 64% of banks under $1B in assets operating in a single state (rank 477 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.83%

Rank 78 of 746

Net Interest Margin

4.13%

Rank 199 of 746

Efficiency Ratio

55.86%

Rank 190 of 746

Equity / Assets

13.89%

Rank 144 of 746

Non-interest income vs. expense

$5.7M$14.5MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state
Bank 55.86%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.83%0.72%1.06%1.45%Beats 90%78 / 746
Return on Equity13.19%6.74%10.51%13.63%Beats 71%215 / 746
Net Interest Margin4.13%3.17%3.68%4.16%Beats 73%199 / 746
Efficiency Ratio55.86%55.74%64.58%75.47%Beats 75%190 / 746
Asset Quality
Nonperforming Loans / Loans0.66%0.09%0.42%1.07%Beats 39%452 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%477 / 743
Capital
Tier 1 Capital Ratio22.77%11.55%13.75%17.60%Beats 88%86 / 746
Total Risk-Based Capital Ratio24.00%11.71%14.33%18.43%Beats 89%83 / 746
Equity / Assets13.89%8.90%10.51%13.06%Beats 81%144 / 746
Liquidity & Funding
Loans / Deposits64.88%61.31%78.27%90.78%30th pctl525 / 746
Loans / Assets55.04%53.60%66.97%76.08%27th pctl545 / 746
Brokered Deposits / Depositsn/aNot reported for this institution