CENTURY BANK & TRUST

MILLEDGEVILLE, GA | Small | Est. Jan. 1, 1898, midnight | FDIC #147 | RSSD #944337 | FDIC
Latest Report: 2025-12-31

CENTURY BANK & TRUST is asn small FDIC-insured commercial bank headquartered in MILLEDGEVILLE, GA, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $364M and total deposits of $321M. Profitability stands at 1.66% ROA and 15.15% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 11.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.84%. FDIC Certificate #147.

Assets

$364M

Deposits

$321M

Loans

$201M

Equity

$41M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 15.15%
Net Interest Margin (NIM) 4.46%
Yield on Assets 5.59%
Cost of Funds 1.18%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.84%
NPA Ratio 0.10%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 11.17%
Tier 1 Capital 11.17%
Total Capital Ratio 11.72%
Leverage Ratio 13.60%
Loan-to-Deposit 62.64%

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