Century Bank and Trust (MI)

Overview / Commentary

www.centurybankandtrust.com

517-278-1500

100 West Chicago Street
Coldwater, MI 49036

Century Bank and Trust (MI) is headquartered in Coldwater and is the 33^rd largest bank in the state of Michigan. It is also the 1,806^th largest bank in the nation. It was established in 1909 and as of June of 2022, it had grown to 97 employees at 11 locations. Century Bank and Trust (MI) has an A+ health rating.

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Health

A+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	5015
Year Established	1909
Employees	97
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	11.42%
Annual Interest Income	$5.7MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$474.4MM$440.9MM
Loans	Q2 2022vs Q2 2021	$189.5MM$219.7MM
Deposits	Q2 2022vs Q2 2021	$422.8MM$387.1MM
Equity Capital	Q2 2022vs Q2 2021	$45.3MM$46.8MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$3.3MM$3.4MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$676.00K$3.5MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

Rates

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Savings
Money Market
Checking
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.35%	-	-	Traditional IRA Savings
3.35%	-	-	Roth IRA Savings
3.35%	-	-	Coverdell Educational Savings Account
3.35%	-	-	Personal SEP IRA
3.35%	-	-	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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
0.20%	-	-	18 Month IRA
0.20%	-	-	18 Month Roth IRA
0.20%	-	-	18 Month CESA
0.20%	-	-	18 Month SEP IRA

Locations

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

Bronson Branches
Bronson Branch	106 East Chicago Road	Bronson, MI 49028

Coldwater Branches
Century Bank and Trust	100 W Chicago St	Coldwater, MI 49036
Auto Bank Drive-In Branch	66 North Monroe Street	Coldwater, MI 49036
East Branch	745 East Chicago Road	Coldwater, MI 49036

Nottawa Branches
Nottawa Branch	25985 M-86	Nottawa, MI 49075

Quincy Branches
Quincy Branch	109 West Chicago Street	Quincy, MI 49082

Reading Branches
Reading Branch	108 North Main Street	Reading, MI 49274

Sturgis Branches
Sturgis Main	300 West Chicago Road	Sturgis, MI 49091

Sturgis Township Branches
Sturgis West Branch	201 South Centerville Road	Sturgis Township, MI 49091

Three Rivers Branches
Three Rivers Branch	1310 W Broadway	Three Rivers, MI 49093

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