Century Bank and Trust: how it compares with its peers
Against 31 MI banks with half to twice its assets, Century Bank and Trust's strongest measure in Q2 2026 is return on assets (1.85% vs. a 1.34% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.2M).
| Measure | Century Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.34% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.22% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.86% | 64.58% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.2M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.98% | 74.59% | Context |
What it means for lending operations
Its efficiency ratio of 55.86% is better than the 64.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- 1st State Bank Saginaw, MI · $490M
- Grand River Bank Grandville, MI · $507M
- Central Savings Bank Sault Sainte Marie, MI · $517M
- Citizens National Bank of Cheboygan Cheboygan, MI · $471M
- Lake-Osceola State Bank Baldwin, MI · $469M
- Eaton Community Bank Charlotte, MI · $543M
Questions about Century Bank and Trust
How big is Century Bank and Trust?
Century Bank and Trust, established in 1909, is headquartered in Coldwater, MI. It reported $494M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Century Bank and Trust's return on assets?
1.85% annualized in Q2 2026, against a 1.34% median for 31 MI banks with half to twice its assets, ahead of 81% of them.
What is Century Bank and Trust's efficiency ratio?
55.86% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 64.58%, and lower is better.
Is Century Bank and Trust growing its loans?
Net loans grew 12.2% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.