TellerScore

Side-by-side · Q2 2026 data

Century Bank and Trust vs Eaton Community Bank

Bank

Century Bank and Trust

Coldwater, Michigan · $100 million – $1 billion

86of 100
Very strong

Bank

Eaton Community Bank

Charlotte, Michigan · $100 million – $1 billion

71of 100
Strong

Metric by metric

MeasureCentury Bank and TrustEaton Community Bank
TellerScore86 (stronger)71
Capital cushion96 (stronger)79
Loan quality78 (stronger)59
Earnings94 (stronger)53
Funding & liquidity6787 (stronger)
Problem-loan coverage93 (stronger)88
Peer percentile90th47th
Total assets$494.0M$543.5M
Deposits / shares$419.0M$459.0M
Capital ratio14.59% (stronger)12.89%
Problem loans0.66% (stronger)1.23%
Net charge-offs0.04% (stronger)1.05%
Return on assets1.85% (stronger)0.81%
Loans ÷ deposits64.0% (stronger)73.6%
Uninsured deposits40.9%13.2% (stronger)
Offices67
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)—16.6%

Century Bank and Trust has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 6 and Eaton Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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