Total Assets
$477M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Century Bank and Trust — FDIC Bank Health Profile
Coldwater, Michigan · Est. 1909. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #5015 Chicago Region
B
Health grade
Good
Score: 77/100
Basel III capital ratios — Century Bank and Trust
Total Deposits
$404M
Customer-funded liabilities
Net Loans
$250M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Safety Metrics
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
22.68%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$66M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.91%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
14.79%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
55.37%
Income & Expense Breakdown
$25M
Interest Income
$5M
Non-Interest Income
$14M
Non-Interest Expense
FDIC Deposit Insurance
Century Bank and Trust is FDIC-insured (Certificate #5015). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Century Bank and Trust
Century Bank and Trust is an FDIC-insured institution (Certificate #5015) headquartered in Coldwater, Michigan, established in 1909. The bank currently holds $477M in total assets and $404M in customer deposits, with $250M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Century Bank and Trust reports a Tier 1 Capital Ratio of 22.68% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $66M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.91% and a Return on Equity of 14.79%, with an Efficiency Ratio of 55.37% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (77/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Century Bank and Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Michigan by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Century Bank and Trust (FDIC Cert #5015) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe Bank Grand Rapids | $7.0B | C | 1.39% |
| First National Bank of America East Lansing | $6.7B | A | 2.94% |
| Mercantile Bank Grand Rapids | $6.2B | B | 1.61% |
| Independent Bank Grand Rapids | $5.5B | C | 1.33% |
| ChoiceOne Bank Sparta | $4.4B | C | 0.79% |
| Macatawa Bank, National Association Holland | $3.7B | C | 1.39% |
| Bank of Ann Arbor Ann Arbor | $3.3B | B | 1.72% |
| Isabella Bank Mount Pleasant | $2.2B | C | 1.01% |
Frequently Asked Questions
What is Century Bank and Trust's health grade? ▼
Century Bank and Trust receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Century Bank and Trust? ▼
Century Bank and Trust holds $477M in total assets and $404M in deposits. It is headquartered in Coldwater, Michigan.
Is my money safe at Century Bank and Trust? ▼
Yes. Century Bank and Trust is FDIC-insured (Certificate #5015). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Century Bank and Trust's Tier 1 Capital Ratio? ▼
Century Bank and Trust has a Tier 1 Capital Ratio of 22.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Century Bank and Trust? ▼
Century Bank and Trust has an Efficiency Ratio of 55.37%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.