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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 1.85%, 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