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Century Bank And Trust
Coldwater, MI · FDIC Certificate #5015 · Chartered 01/0
Total assets
$493.99M
Total deposits
$419.04M
Total equity
$68.64M
Net loans
$268.10M
Branches (offices)
10
Net income (YTD)
$4.53M
Rank: #1,801 of 4,213 U.S. banks by assets · #34 of 72 in Michigan. Assets changed 2.7% and deposits 1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 13.44% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 13.89% |
| Tier 1 leverage ratio | 14.59% |
| Uninsured deposits (share of deposits) | 40.9% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 64.0% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $223.23M | 83.3% | |
| Commercial & industrial | $26.52M | 9.9% | |
| Consumer / individual | $4.19M | 1.6% | |
| Construction & development | $20.46M | 7.6% | |
| Agricultural | $4.41M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $474.37M | $422.77M | $2.65M | $45.27M |
| Jun 2023 | $463.17M | $410.52M | $3.73M | $45.42M |
| Jun 2024 | $469.90M | $409.46M | $4.10M | $53.11M |
| Jun 2025 | $481.17M | $412.50M | $4.41M | $61.91M |
| Jun 2026 | $493.99M | $419.04M | $4.53M | $68.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $419.04M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $419.04M.
Similar-sized banks
Dean Co-Operative Bank ($494.31M) · Jewett City Savings Bank ($493.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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