Total Assets
$494.0M
Total Deposits
$419.0M
Branches
11
Established
1909
Century Bank and Trust is a bank headquartered in Coldwater, Michigan, established in 1909. It holds $494.0M in total assets across 11 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Century Bank and Trust earns a TFS Financial Health Grade of A (90.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
90.3 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Century Bank and TrustHQ | 100 W Chicago St | Coldwater | MI | 11 |
| Century Bank and Trust | 106 E Chicago St | Bronson | MI | 11 |
| Century Bank and Trust | 100 W Chicago St | Coldwater | MI | 27 |
| Century Bank and Trust | 66 N Monroe St | Coldwater | MI | 23 |
| Century Bank and Trust | 745 E Chicago Rd | Coldwater | MI | 23 |
| Century Bank and Trust | 25985 M-86 | Nottawa | MI | 23 |
| Century Bank and Trust | 109 W Chicago St | Quincy | MI | 11 |
| Century Bank and Trust | 108 N Main St | Reading | MI | 11 |
| Century Bank and Trust | 300 W Chicago Rd | Sturgis | MI | 11 |
| Century Bank and Trust | 201 South Centerville Road | Sturgis Township | MI | 23 |
| Century Bank and Trust | 1310 W Broadway St | Three Rivers | MI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
90.3
Tier 1 capital ratio
14.59%
Return on assets
1.85%
Non-performing loans
0.66%
Efficiency ratio
55.86%
Asset growth (YoY)
2.66%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.