🏦Bank Scorer

CENTURY BANK AND TRUST

COLDWATER, MI · Supervised by FDIC

Est. 1909FDIC #5,015RSSD: FDIC-5015
Part ofCENTURY FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.95%

Institution Profile

FDIC BankFind

Address

100 W Chicago St, COLDWATER, MI

County

Branch County

Established

January 1, 1909

Total Assets

$495M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$495M

Total Deposits

$420M

Net Loans

$258M

Net Income

$2M

ROA

1.95%

ROE

14.18%

Risk-Based Capital

24.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$412M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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