Century Bank and Trust (MI)

Overview / Commentary
100 West Chicago Street
Coldwater, MI 49036

Century Bank and Trust (MI) is headquartered in COLDWATER and is the 36th largest bank in the state of Michigan. It is also the 1,871st largest bank in the nation. It was established in 1909 and as of September of 2023, it had grown to 97 employees at 11 locations. Century Bank and Trust (MI) has a B+ health rating.


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Health Grade Components

FDIC Certificate #5015
Year Established1909
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.72%
Return on Equity - YTD17.48%
Annual Interest Income$15.6MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$456MM$476.4MM
LoansQ3 2023vs Q3 2022$215.8MM$197MM
DepositsQ3 2023vs Q3 2022$401.6MM$427.4MM
Equity CapitalQ3 2023vs Q3 2022$46.4MM$42.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$3.3MM$3.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.3MM$682K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Century Bank and Trust (MI) Savings Account Rates

4.80%--Traditional IRA Savings
4.80%--Roth IRA Savings
4.80%--Coverdell Educational Savings Account
4.80%--Personal SEP IRA
4.80%--Business Variable Rate SEP IRA
0.20%--Business Health Savings Account
0.20%--Personal Health Savings Account
0.02%--Regular Savings Account
0.02%--Children's Savings Account
0.02%$1-Christmas Club Savings Account
0.02%--Business Premier Savings Account

Century Bank and Trust (MI) Money Market Rates

0.10%*$50k*-Personal Money Market Savings Account
OTHER TIERS: 0.05% Up to $50k
0.10%*$50k*-Business Premium Money Market Savings Account
OTHER TIERS: 0.05% Up to $50k

Century Bank and Trust (MI) Checking Account Rates

0.01%$1k-Horizon Club 50+ Checking Account
0.01%$500-Personal Select Checking Account
0.01%--Personal Infinity Checking Account

Century Bank and Trust (MI) IRA Rates

0.20%--18 Month IRA
0.20%--18 Month Roth IRA
0.20%--18 Month CESA
0.20%--18 Month SEP IRA

Cities: Bronson, Coldwater, Nottawa, Quincy, Reading, Sturgis, Sturgis Township, Three Rivers

Bronson Branches
Bronson Branch106 East Chicago RoadBronson, MI 49028

Coldwater Branches
Century Bank and Trust100 W Chicago StColdwater, MI 49036
Auto Bank Drive-In Branch66 North Monroe StreetColdwater, MI 49036
East Branch745 East Chicago RoadColdwater, MI 49036

Nottawa Branches
Nottawa Branch25985 M-86Nottawa, MI 49075

Quincy Branches
Quincy Branch109 West Chicago StreetQuincy, MI 49082

Reading Branches
Reading Branch108 North Main StreetReading, MI 49274

Sturgis Branches
Sturgis Main300 West Chicago RoadSturgis, MI 49091

Sturgis Township Branches
Sturgis West Branch201 South Centerville RoadSturgis Township, MI 49091

Three Rivers Branches
Three Rivers Branch1310 W BroadwayThree Rivers, MI 49093

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