Century Bank And Trust is a bank based in Coldwater, Michigan, established in 1909, with $495 million in total assets across 11 branches. By Trust Grade it ranks 15th of 73 banks we track in Michigan. Its capital ratio of 13.6% is stronger than 84% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.95% return on assets. No consumer complaints against Century Bank And Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Century Bank And Trust compares to Michigan peers
How we graded Century Bank And Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.6% capital ratio)
- Strongly profitable (ROA 1.95%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Century Bank And Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 25985 M-86, Nottawa, MI 49075
- 201 South Centerville Road, Sturgis Township, MI 49091
- 300 W Chicago Rd, Sturgis, MI 49091
- 106 E Chicago St, Bronson, MI 49028
- 66 N Monroe St, Coldwater, MI 49036
- 108 N Main St, Reading, MI 49274
- 745 E Chicago Rd, Coldwater, MI 49036
- 100 W Chicago St, Coldwater, MI 49036
- 109 W Chicago St, Quincy, MI 49082
- 1310 W Broadway St, Three Rivers, MI 49093
- 100 W Chicago St, Coldwater, MI 49036
Are deposits at Century Bank And Trust insured?
Yes. Century Bank And Trust is an FDIC-insured bank (FDIC certificate #5015). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Century Bank And Trust: frequently asked questions
Is Century Bank And Trust a good bank?
Century Bank And Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.6% capital ratio); Strongly profitable (ROA 1.95%).
Is Century Bank And Trust FDIC-insured?
Yes. Century Bank And Trust is a FDIC-insured bank (FDIC certificate #5015). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Century Bank And Trust?
Century Bank And Trust holds $495 million in total assets, ranking 15th of 73 banks we track in Michigan. It operates 11 branches.
Does Century Bank And Trust have CFPB complaints?
No CFPB complaints against Century Bank And Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
