Century Bank&Trust (FDIC #5015): Bank Stress & Real-Estate Credit Exposure
Century Bank&Trust (FDIC Cert #5015): bank stress 40/100, contained, STABLE over 7 days; parent CENTURY FINANCIAL CORP.
Century Bank&Trust (#5015) lends in 3 counties across 1 state; Century Bank&Trust (#5015) reaches 38 ZIP codes: Michigan 3 counties, 38 ZIPs.
Century Bank&Trust (#5015) largest markets: Hillsdale County, MI (19 branches, 19 ZIPs) (#5015), Branch County, MI (65 branches, 13 ZIPs) (#5015), St. Joseph County, MI (52 branches, 13 ZIPs) (#5015).
Century Bank&Trust (#5015) reports $494.0 million in total assets; Century Bank&Trust (#5015) equity $68.6 million (13.9% of Century Bank&Trust (#5015) assets); Century Bank&Trust (#5015) domestic deposits $419.0 million; Century Bank&Trust (#5015) net income $4.5 million; Century Bank&Trust (#5015) return on assets 1.85%; Century Bank&Trust (#5015) return on equity 13.44%; Century Bank&Trust (#5015) net interest income $10.1 million; Century Bank&Trust (#5015) call report June 30, 2026.
Century Bank&Trust (#5015) noncurrent real-estate loans 0.02% of its book; Century Bank&Trust (#5015) net charge-offs on real estate 0.79%; Century Bank&Trust (#5015) residential charge-offs 0.66%.
Century Bank&Trust (#5015) net interest margin 4.45% against an eight-quarter Century Bank&Trust (#5015) average of 4.44% (Century Bank&Trust (#5015) compression -0.00 points); Century Bank&Trust (#5015) real-estate loans 1.8% of equity; Century Bank&Trust (#5015) non-residential real estate 66.0% of equity; Century Bank&Trust (#5015) rate-exposure score 40/100, Century Bank&Trust (#5015) fixed-rate trap 40/100; Century Bank&Trust (#5015) risk type rate trapped; Century Bank&Trust (#5015) rate regime rates elevated, Century Bank&Trust (#5015) snapshot October 19, 2026.
Century Bank&Trust (#5015) stress score moved from 37.6 on June 22, 2026 to 39.8 on October 19, 2026; Century Bank&Trust (#5015) ranged 37.6 to 39.8 over 116 snapshots.
Century Bank&Trust (#5015) alerts: 3 counties; top Century Bank&Trust (#5015) alert scores: Quincy County, MI 18 (low); Reading County, MI 18 (low); Three Rivers County, MI 18 (low).