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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 1.75%, down 1 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.66% of loans (-43 bps YoY), with net charge-offs at 0.07%.
  • 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 (quarter, annualized)

1.75%-1 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-3 bps YoY

Efficiency Ratio (quarter, annualized)

57.49%-146 bps YoY

Tier 1 Leverage Ratio

14.59%+94 bps YoY

NIM

5.08%Q2 ’245.10%Q2 ’255.00%Q2 ’26+3%-1%

Non-interest income vs. expense

2.90%Q2 ’243.17%Q2 ’253.11%Q2 ’26+19%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.18%2.01%1.92%1.76%2.09%1.83%1.95%1.75%-1 bps
Return on Equity18.59%16.44%15.61%13.93%16.06%13.56%14.18%12.72%-121 bps
Net Interest Margin4.22%4.23%4.22%4.23%4.18%4.13%4.06%4.21%-3 bps
Efficiency Ratio50.01%55.07%55.24%58.95%51.18%56.20%54.14%57.49%-146 bps
Non-Interest Burden1.54%1.73%1.82%2.03%1.57%1.86%1.69%1.90%-13 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 / Loans-0.01%0.08%0.02%0.01%0.01%0.14%0.00%0.07%+7 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