Century Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Century Bank & Trust is an FDIC-insured commercial bank headquartered in Milledgeville, GA, established in 1898 (FDIC certificate 147), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $490.7M, up 34.2% from Q2 2025, the 39th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 147
- Headquarters
- Milledgeville, GA
- Established
- 1898
- Total assets, Q2 2026
- $490.7M
- Assets vs Q2 2025
- +34.2%
- Tier 1 leverage ratio, Q2 2026
- 11.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061101773
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank & Trust call report
- Holding company
- CENTURY BANCORP, INC.
- Asset rank in state
- 39th of 121 in Georgia
Century Bank & Trust is growing quickly. Its balance sheet stood at $491 million at June 30, 2026, up 34.2% from a year earlier; it is based in Milledgeville, Georgia. It grew its loan book 32.6% over the year, 6.0 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.16% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.4 million, 55% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 19% of Tier 1 capital, down from 29% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Century Bank & Trust reported a return on assets of 1.91%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.36%. The figures come from its call report filed with the FFIEC.
Century Bank & Trust ranks as the 39th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.8% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.3% of total loans, followed by 1-4 family residential loans at 26.5%. Its 3 offices in the FDIC Summary of Deposits are in Milledgeville, GA and Wrightsville, GA; its Milledgeville 2 offices book 79% of its branch deposits. Judged on its Q2 2026 call report, Century Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 141 S Wayne St, Milledgeville, GA 31061
- County
- Baldwin
- Metro Area
- Milledgeville, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- Century Bank and Trust (1992)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $435.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $496.5M
- Average total loans
- $265.3M
- Average interest-bearing deposits
- $314.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 147
- Fed RSSD
- 944337
- Website
- www.century.bank →
- Parent Holding Company
- CENTURY BANCORP, INC. (RSSD 2043850)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Century Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Century Bank & Trust's total assets ran between $344.0M (Q3 2023) and $490.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$490.7M total assets against $365.7M; $438.1M total liabilities against $330.6M.
$268.2M net loans and leases against $202.1M; $435.3M total deposits against $328.5M.
$144.0M securities against $128.4M; $53.9M cash and balances due against $20.3M.
$6.1M total interest income against $4.6M; $1.3M total interest expense against $1.0M.
$4.8M net interest income against $3.6M.
$732K total noninterest income against $646K; $2.7M total noninterest expense against $2.2M.
-$104K provision for credit losses against $30K.
$2.4M net income against $1.5M.
1.91% return on assets against 1.62%; 4.19% net interest margin against 4.02%.
11.79% tier 1 leverage ratio against 12.61%.
Inside the full Century Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Century Bank & Trust rankings
Its closest position to the top of a national ranking is 565 of 3,606, for efficiency ratio; its furthest is 3,048 of 3,640, for Texas Ratio.
Banks merged into Century Bank & Trust
- Bank of Wrightsville, effective January 17, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.25% (Q3 2024) to 1.91% (Q2 2026) and its net interest margin ran from 3.51% (Q3 2024) to 4.33% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 1.91% | 0.07% | 0.36% | 4.19% |
| Q1 2026 | 12.06% | 1.70% | 0.04% | 0.23% | 4.16% |
| Q4 2025 | 13.60% | 1.60% | 0.18% | 0.84% | 4.19% |
| Q3 2025 | 13.33% | 1.87% | 0.19% | 0.95% | 4.33% |
| Q2 2025 | 12.61% | 1.62% | 0.19% | 1.06% | 4.02% |
| Q1 2025 | 12.69% | 1.56% | 0.20% | 1.12% | 3.81% |
| Q4 2024 | 12.82% | 1.45% | 0.21% | 1.09% | 3.70% |
| Q3 2024 | 12.62% | 1.25% | 0.00% | 0.00% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank and Trust | Milledgeville , GA | 31061 | $250.8M |
| Bank of Wrightsville Branch | Wrightsville , GA | 31096 | $92.8M |
| Northside Branch | Milledgeville , GA | 31061 | $91.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 17, 2026 | Structure Change | Acquired Bank of Wrightsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 16, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in GA, rank 61 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $165K approved, $165K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Bank & Trust
What are Century Bank & Trust's total assets?
As of the Q2 2026 filing, Century Bank & Trust reported total assets of $490.7 million in its FFIEC call report.
Where is Century Bank & Trust headquartered?
It is headquartered in Milledgeville, GA, United States.
When was Century Bank & Trust founded?
It was established in 1898, per the FDIC institution directory.
Is Century Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank & Trust?
Century Bank & Trust's primary federal regulator is the FDIC.
How many branches does Century Bank & Trust operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Century Bank & Trust previously called?
The charter now named Century Bank & Trust has also operated as Century Bank and Trust (1992), per FDIC structure-change records.
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