Side-by-side · Q2 2026 data
Century Bank and Trust vs Southern Michigan Bank & Trust
Metric by metric
| Measure | Century Bank and Trust | Southern Michigan Bank & Trust |
|---|---|---|
| TellerScore | 86 (stronger) | 56 |
| Capital cushion | 96 (stronger) | 40 |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 94 (stronger) | 54 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 90th | 15th |
| Total assets | $494.0M | $1.7B |
| Deposits / shares | $419.0M | $1.4B |
| Capital ratio | 14.59% (stronger) | 9.04% |
| Problem loans | 0.66% (stronger) | 0.92% |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 1.85% (stronger) | 0.85% |
| Loans ÷ deposits | 64.0% (stronger) | 89.9% |
| Uninsured deposits | 40.9% | 33.6% (stronger) |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
Century Bank and Trust has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 6 and Southern Michigan Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Coldwater, MI
- Sturgis, MI
- Three Rivers, MI