Century Bank and Trust
Coldwater, MI
IDRSSD: 694847
Total Assets
$476.79M
Latest filing
Total Deposits
$403.61M
Latest filing
Net Interest Margin
4.58%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Century Bank and Trust
100 W Chicago St
Coldwater, MI 49036
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1909FDIC Certificate 3345
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Century Bank and Trust (Main) | 100 W Chicago St | Coldwater, MI |
| NOTTAWA BRANCH | 25985 M-86 | Nottawa, MI |
| STURGIS WEST BRANCH | 201 South Centerville Road | Sturgis Township, MI |
| STURGIS MAIN | 300 W Chicago Rd | Sturgis, MI |
| BRONSON BRANCH | 106 E Chicago St | Bronson, MI |
| AUTO BANK DRIVE-IN BRANCH | 66 N Monroe St | Coldwater, MI |
| READING BRANCH | 108 N Main St | Reading, MI |
| EAST BRANCH | 745 E Chicago Rd | Coldwater, MI |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49036 |
| State and County Number | 26023 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Coldwater, MI |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.centurybankandtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 5015 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $476.79M |
| Total Deposits | $403.61M |
| Total Liabilities | $410.70M |
| Total Equity Capital | $66.08M |
| Net Income | $2.22M |
| Net Loans and Leases | $249.86M |
| Assets Per Employee ($Millions) | $4.87M |
| Bank Premises and Fixed Assets | $5.97M |
| Cash and Balances due from Depository Institutions | $70.80M |
| Deposits Held in Domestic Offices | $403.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.83% |
| Return on Equity (ROE) | 13.56% |
| Net Interest Margin | 4.58% |
| Efficiency Ratio | 56.2% |
| Tier 1 Risk-Based Capital Ratio | 22.681% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.86% |
| Earning Assets to total Assets | 93.35% |
Income and Expense
| Total Interest Income | $6.39M |
| Total Noninterest Income | $1.32M |
| Total Interest Expense | $1.22M |
| Total Noninterest Expense | $3.65M |
| Net Interest Income | $5.17M |
| Pre-tax Net Operating Income | $2.69M |
| Provision for Credit Losses | $155.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $644.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.09M |
| Total Liabilities and Capital | $476.79M |
Securities
| Securities | $134.75M |
| Available-for-sale debt securities | $121.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $13.39M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Century Bank and Trust?
$476.79M as of the latest filing.
How much are Century Bank and Trust's total deposits?
$403.61M in total deposits.
Where is Century Bank and Trust located?
Coldwater, MI.
What is the Net Interest Margin?
4.58%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
1.83%.
How much are total loans and leases?
$249.86M (latest filing).
What is the total interest income (latest filing)?
$6.39M.