TellerScore

Headquartered in Coldwater, Michigan, Century Bank and Trust is a state-chartered bank with $494.0M in total assets and $419.0M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1909.

Century Bank and Trust has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 3rd. Capital cushion contributes the most (96/100, 14.59%); funding & liquidity contributes the least (67/100, 64% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Tier 1 leverage ratio: 14.59%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.66%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 64.0% · 40.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (81 → 86), mostly because the loan quality component improved by 15 points.

TellerScore
798488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202481
Q1 202588
Q2 202581
Q3 202582
Q4 202581
Q1 202687
Q2 202686
Tier 1 leverage ratio
5.00%9.79%14.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.35%
Q3 202412.77%
Q4 202413.04%
Q1 202513.45%
Q2 202513.65%
Q3 202513.68%
Q4 202513.57%
Q1 202614.27%
Q2 202614.59%
Noncurrent loans
0.60%0.85%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.77%
Q3 20241.06%
Q4 20240.98%
Q1 20250.69%
Q2 20251.10%
Q3 20250.97%
Q4 20251.07%
Q1 20260.60%
Q2 20260.66%
Return on assets
1.74%1.84%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.88%
Q4 20241.91%
Q1 20251.92%
Q2 20251.85%
Q3 20251.93%
Q4 20251.91%
Q1 20261.95%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$494.0M14.59%0.66%1.85%64.0%
Q1 202687$495.0M14.27%0.60%1.95%61.5%
Q4 202581$476.8M13.57%1.07%1.91%61.9%
Q3 202582$492.4M13.68%0.97%1.93%57.6%
Q2 202581$481.2M13.65%1.10%1.85%57.9%
Q1 202588$483.3M13.45%0.69%1.92%56.1%
Q4 202481$467.2M13.04%0.98%1.91%57.1%
Q3 202479$469.0M12.77%1.06%1.88%58.3%
Q2 202479$469.9M12.35%0.77%1.74%57.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.59%
85th
Total risk-based capital24.00%
92nd
Problem loans0.66%
39th
Net charge-offs0.04%
31st
Return on assets1.85%
82nd
Net interest margin4.45%
77th
Efficiency ratio55.9%
70th
Loans to deposits64.0%
78th
Uninsured deposits40.9%
9th
Loan-loss reserves1.39%
71st
Texas ratio3.4%
45th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
1st State BankBank Saginaw, MI76 out of 100, Strong$490.1M12.3%0.35%vs
Grand River BankBank Grandville, MI65 out of 100, Moderate$507.3M10.2%0.17%vs
Central Savings BankBank Sault Sainte Marie, MI74 out of 100, Strong$516.8M9.5%0.16%vs
Citizens National Bank of CheboyganBank Cheboygan, MI53 out of 100, Below average$471.0M8.5%1.47%vs
Lake-Osceola State BankBank Baldwin, MI85 out of 100, Very strong$469.4M12.5%0.24%vs
Eaton Community BankBank Charlotte, MI71 out of 100, Strong$543.5M12.9%1.23%vs

Deposit insurance

Is my money safe at Century Bank and Trust?

Yes. Century Bank and Trust is an FDIC-insured institution (FDIC certificate #5015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.9% of deposits ($171.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Century Bank and Trust lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Century Bank and Trust
Former names
Hickory National Bank of Michigan; Branch County Bank, N.A.; Branch County Bank
Type
State-chartered bank
FDIC certificate #
5015
RSSD ID
694847
Primary regulator
FDIC
Holding company
Century Financial Corp
Established
January 1, 1909
Headquarters
100 W Chicago St, Coldwater, MI 49036
Employees
95

Quick answers

Century Bank and Trust: common questions

Is Century Bank and Trust FDIC insured?

Yes. Century Bank and Trust is an FDIC-insured institution (FDIC certificate #5015). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Century Bank and Trust's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Century Bank and Trust ever failed?

There is no failure record for FDIC certificate #5015 in the FDIC failed bank list.

How many branches does Century Bank and Trust have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coldwater

InstitutionScoreAssetsCapitalProblem loansCompare
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Farmers State BankBank Lagrange, IN78 out of 100, Strong$1.3B10.8%0.02%vs
The Campbell & Fetter BankBank Kendallville, IN71 out of 100, Strong$355.0M10.0%0.00%vs
The Farmers & Merchants State BankBank Archbold, OH70 out of 100, Strong$3.5B9.4%0.27%vs