Side-by-side · Q2 2026 data
Century Bank and Trust vs First State Bank of Michigan
Metric by metric
| Measure | Century Bank and Trust | First State Bank of Michigan |
|---|---|---|
| TellerScore | 86 (stronger) | 64 |
| Capital cushion | 96 (stronger) | 89 |
| Loan quality | 78 (stronger) | 71 |
| Earnings | 94 (stronger) | 0 |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 90th | 24th |
| Total assets | $494.0M | $87.8M |
| Deposits / shares | $419.0M | $71.6M |
| Capital ratio | 14.59% (stronger) | 13.89% |
| Problem loans | 0.66% (stronger) | 0.88% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | -1.32% |
| Loans ÷ deposits | 64.0% (stronger) | 88.3% |
| Uninsured deposits | 40.9% | 9.7% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 5 and First State Bank of Michigan on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.