BlastPoint's Banking Scorecard
Century Bank and Trust
Micro
Specialty: Commercial
MI
FDIC cert 5015
Designations: ✓ Community bank
Coldwater, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Century Bank and Trust demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.83% above tier
- + Non-Interest Income / Assets 0.58% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$476.8M
+2.1% YoY
-3.2% QoQ
|
+$259.3M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$249.9M
+9.0% YoY
+3.2% QoQ
|
+$110.7M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$403.6M
+0.4% YoY
-4.0% QoQ
|
+$220.0M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.91%
-0.3% YoY
-0.9% QoQ
|
+0.83% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.52%
+2.5% YoY
+0.9% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
55.37%
+1.4% YoY
+0.5% QoQ
|
-12.35% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.08%
+8.7% YoY
+10.4% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
61.90%
+8.5% YoY
+7.5% QoQ
|
-12.62% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
35.38%
-4.1% YoY
+2.4% QoQ
|
+12.99% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+32.1% YoY
+34.4% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
22.68%
+12.0% YoY
+0.2% QoQ
|
+13.83% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
1.14%
-5.6% YoY
+36.5% QoQ
|
+0.58% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.68%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.14%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Assets
Current: $476.8M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $403.6M · Tier avg: $183.7M
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.68% · Tier avg: 8.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.38% · Tier avg: 22.39%
88
88th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.08%
84
84th pctile
Total Loans
Current: $249.9M · Tier avg: $139.2M
80
80th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 67.73%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.90% · Tier avg: 74.53%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
Top Weaknesses
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.90% · Tier avg: 74.53%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
80
80th pctile
Efficiency Ratio
Current: 55.37% · Tier avg: 67.73%
84
84th pctile
Total Loans
Current: $249.9M · Tier avg: $139.2M
88
88th pctile
Return on Assets
Current: 1.91% · Tier avg: 1.08%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.38% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.68% · Tier avg: 8.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
97
97th pctile
Total Deposits
Current: $403.6M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $476.8M · Tier avg: $217.5M