Century Bancorp, Inc. is a state-chartered bank holding company. The Company has one banking subsidiary: Century Bank and Trust Company. The Bank’s customers consist of small and medium-sized businesses and retail customers. The Company offers a range of services to commercial enterprises, state and local Governments and agencies, nonprofit organizations, and individuals. The Company makes commercial loans, real estate and construction loans, and consumer loans and accepts savings, time and demand deposits. In addition, the Company offers to its corporate and institutional customers automated lockbox collection services, cash management services and account reconciliation services. The Company also provides service securities brokerage services through a program called Investment Services at Century Bank. The Company is also a provider of financial services, including cash management, transaction processing and short-term financing, to municipalities.