Total Assets
$477M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$404M
Customer-funded liabilities
Net Loans
$250M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
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
22.68%
Texas Ratio
3.88%
Equity Capital
$66M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.91%
Return on Equity (ROE)
14.79%
Efficiency Ratio
55.37%
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. It holds $477M in total assets - 1,858th of 4,313 FDIC-insured banks, $404M in customer deposits, and $250M in net loans. On safety, its Tier 1 capital ratio of 22.68% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.88% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (97/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Michigan, Century Bank and Trust ranks 35th of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Michigan by total assets
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.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Century Bank and Trust's health grade?▼
Century Bank and Trust receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Century Bank and Trust?▼
Century Bank and Trust holds $477M in total assets and $404M in deposits, ranking 1,858th of 4,313 FDIC-insured banks by asset size. It is headquartered in Coldwater, Michigan.
Is my money safe at Century Bank and Trust?▼
Yes, deposits at Century Bank and Trust (Certificate #5015) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for Century Bank and Trust?▼
Century Bank and Trust has a Texas Ratio of 3.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Century Bank and Trust's profile as a depositor or analyst.
- Century Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Century Bank and Trust against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.