FDIC Cert #5015 · Coldwater, Michigan · Est. 1909

Century Bank and Trust - FDIC Bank Health Profile

A community-scale look at Century Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$477M
Total assets
A
Health grade · Excellent
1.91%
Return on assets
22.7%
Tier 1 capital

Data updated July 2026

The verdict

Century Bank and Trust earns a PlainBankData health grade of A (97/100), with well-capitalized at 22.68% Tier 1, profitable at 1.91% ROA, efficient (55% cost ratio).

#1,858
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
22.68%
Tier 1 ratio - above the 10% well-capitalized line
89th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 5015 · MI A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #193/4307
  • PHOTO-FINISH The First National B… · TN
  • TIER1-WELL 22.7% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-STRONG 1.91% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: The First National Bank of Oneida, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Century Bank and Trust

Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Century Bank and Trust · MI …97/100First Security Bank… · MN · …97/100FNB Washington · KS · near97/100Minden Exchange Bank… · NE ·…97/100The First National B… · TN ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Bank and Trust · July 2026

Call Report read for Century Bank and Trust in a high-failure state

Century Bank and Trust (FDIC Cert #5015) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #193 of 4,307. Tier 1 capital prints at 22.68%, clearing the 10% well-capitalized line. The Texas Ratio is 3.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.91%. Balance-sheet scale is $477M, 1,858th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Oneida (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Century Bank and Trust

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Century Bank and Trust sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Century Bank and Trust's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.

How Century Bank and Trust's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Century Bank and Trust's composite health score
Tier 1 Capital Ratio (22.68%) 40/40
Return on Assets (ROA) (1.91%) 25/25
Texas Ratio (3.88%) 20/20
Efficiency Ratio (55.37%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$477M

Total balance-sheet footings

Total Deposits

$404M

Customer-funded liabilities

Net Loans

$250M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.28% 22.68% 24.08%
Basel III capital ratios - Century Bank and Trust

Where Century Bank and Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Bank and Trust's score of 97/100 falls in the highlighted band.

Century Bank and Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Century Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Century Bank and Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Century Bank and Trust's $477M falls in the highlighted band.

Capital & credit buffers at Century Bank and Trust

Tier 1 capital ratio
Well-capitalized 10%

22.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.68%
Texas Ratio
3.88%
Equity Capital
$66M

What these ratios mean →

Earnings posture at Century Bank and Trust

Return on Assets (ROA)
89th percentile nationally
1.91%
Return on Equity (ROE)
14.79%
Efficiency Ratio
55.37%

What these mean →

Income & expense at Century Bank and Trust

$25M
Interest Income
$5M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Bank and Trust reports a Texas Ratio of 3.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Century Bank and Trust on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

Top 5 banks in Michigan ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($477M here), outside Michigan so the neighborhood is not state containment.

Springfield State Bank $477M · KY Peoples Independent Bank $477M · AL First Federal Savings Bank of Lincoln… $477M · NC The Bank $477M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Bank and Trust (FDIC Cert #5015) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Century Bank and Trust Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%