Coldwater, MI · Cert 5015 · Century Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.85% | 1.93% | 1.91% | 1.95% | 1.85% | 0 bps | |
| Return on Equity | 14.77% | 15.21% | 14.79% | 14.18% | 13.44% | -133 bps | |
| Net Interest Margin | 4.20% | 4.12% | 4.05% | 4.06% | 4.13% | -8 bps | |
| Efficiency Ratio | 57.10% | 55.09% | 55.37% | 54.14% | 55.86% | -125 bps | |
| Non-Interest Burden | 1.92% | 1.77% | 1.76% | 1.69% | 1.79% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.40% | 4.99% | 2.05% | 2.41% | 2.66% | +27 bps | |
| Loan Growth (YoY) | 1.30% | 2.75% | 8.83% | 10.45% | 12.08% | +1,078 bps | |
| Deposit Growth (YoY) | 0.74% | 4.11% | 0.44% | 0.98% | 1.59% | +85 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.10% | 0.97% | 1.07% | 0.60% | 0.66% | -43 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.00% | 0.04% | +2 bps | |
| Allowance / Loans | 1.48% | 1.46% | 1.44% | 1.39% | 1.39% | -9 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.3x | 2.3x | 2.1x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.65% | 13.68% | 13.57% | 14.27% | 14.59% | +94 bps | |
| Total Risk-Based Capital | 23.25% | 23.89% | 23.92% | 24.21% | 24.00% | +76 bps | |
| Equity / Assets | 12.87% | 13.15% | 13.86% | 13.61% | 13.89% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.81% | 58.43% | 62.81% | 62.35% | 64.88% | +608 bps | |
| Liquid Assets / Assets | 16.55% | 18.51% | 15.49% | 16.91% | 13.51% | -304 bps | |
| CRE / Total Capital | n/a | 151.84% | 152.78% | 149.65% | n/a | n/a | |