Bank · FDIC insured
Century Bank and Trust
A $494M bank headquartered in Coldwater, MI, with 10 branches in Michigan. Best rates: savings 0.02% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.80%CD rates →
- Savings600.02%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Century Bank and Trust
Founded in 1890, Century Bank and Trust is an independent community bank owned by holding company Century Financial Corporation.
The bank operates offices in Bronson, Coldwater, Nottawa, Quincy, Reading, Sturgis, and Three Rivers across Branch, St. Joseph, and Hillsdale counties.
Specializing in building customer relationships, Century focuses on long-term, multiple account relationships and customized products.
- Headquarters
- 100 W Chicago St, Coldwater, MI 49036
- FDIC certificate
- 5015 ↗
Branches
10 branches in Michigan
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Michigan
10 branches
Coldwater area · 5
- Century Bank and TrustMain office100 W Chicago St, Coldwater, MI 49036Directions
- Bronson Branch106 E Chicago St, Bronson, MI 49028Directions
- Auto Bank Drive-In Branch66 N Monroe St, Coldwater, MI 49036Directions
- East Branch745 E Chicago Rd, Coldwater, MI 49036Directions
- Quincy Branch109 W Chicago St, Quincy, MI 49082Directions
Sturgis area · 4
- Nottawa Branch25985 M-86, Nottawa, MI 49075Directions
- Sturgis Main300 W Chicago Rd, Sturgis, MI 49091Directions
- Sturgis West Branch201 South Centerville Road, Sturgis Township, MI 49091Directions
- Three Rivers Branch1310 W Broadway St, Three Rivers, MI 49093Directions
Hillsdale area · 1
- Reading Branch108 N Main St, Reading, MI 49274Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.59% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.66% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $65 | $81 | — |
- CapitalLeverage ratio14.59%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.66%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$65Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Century Bank and Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.