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Century Bank And Trust
Milledgeville, GA · FDIC Certificate #147 · Chartered 01/0
Total assets
$490.74M
Total deposits
$435.30M
Total equity
$52.66M
Net loans
$268.16M
Branches (offices)
3
Net income (YTD)
$4.35M
Rank: #1,811 of 4,213 U.S. banks by assets · #39 of 123 in Georgia. Assets changed 34.2% and deposits 32.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 18.18% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 10.73% |
| Tier 1 leverage ratio | 11.79% |
| Uninsured deposits (share of deposits) | 28.9% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 61.6% |
| Real estate loans (share of loans) | 89.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $241.01M | 89.9% | |
| Commercial & industrial | $13.87M | 5.2% | |
| Consumer / individual | $4.26M | 1.6% | |
| Construction & development | $49.04M | 18.3% | |
| Agricultural | $1.32M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $365.74M | $341.26M | $2.00M | $23.14M |
| Jun 2023 | $353.83M | $325.70M | $2.43M | $26.42M |
| Jun 2024 | $348.83M | $311.76M | $2.12M | $30.64M |
| Jun 2025 | $365.72M | $328.54M | $2.95M | $35.15M |
| Jun 2026 | $490.74M | $435.30M | $4.35M | $52.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $435.30M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $435.30M.
Similar-sized banks
Lifestore Bank ($491.32M) · Evabank ($490.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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