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
Unfavorable gap of $8.8M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.72% | 1.06% | 1.45% | Beats 90% | 78 / 746 | | |
| Return on Equity | 13.19% | 6.74% | 10.51% | 13.63% | Beats 71% | 215 / 746 | | |
| Net Interest Margin | 4.13% | 3.17% | 3.68% | 4.16% | Beats 73% | 199 / 746 | | |
| Efficiency Ratio | 55.86% | 55.74% | 64.58% | 75.47% | Beats 75% | 190 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.42% | 1.07% | Beats 39% | 452 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 477 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 22.77% | 11.55% | 13.75% | 17.60% | Beats 88% | 86 / 746 | | |
| Total Risk-Based Capital Ratio | 24.00% | 11.71% | 14.33% | 18.43% | Beats 89% | 83 / 746 | | |
| Equity / Assets | 13.89% | 8.90% | 10.51% | 13.06% | Beats 81% | 144 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.88% | 61.31% | 78.27% | 90.78% | 30th pctl | 525 / 746 | | |
| Loans / Assets | 55.04% | 53.60% | 66.97% | 76.08% | 27th pctl | 545 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |