Century Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 87.5% in Q2 2026, from $1.5M to $184K. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Century Bank & Trust is 92nd of 122 on loan-to-deposit ratio, 62.26% as of Q2 2026, below the middle of the field. Century Bank & Trust reported 62.26% on loan-to-deposit ratio for Q2 2026, 18.58 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $271.0M |
| Net loans and leases | $268.2M |
| Loans held for sale | $184K |
| Loans to total assets | 55.23% |
| Loan-to-deposit ratio | 62.26% |
| Net loans to equity capital | 5.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.47% |
| Multifamily (5+ residential) | 2.14% |
| Commercial and industrial | 5.11% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.36% |
| Construction concentration (Tier 1 capital + allowance) | 80.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.79% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $183.7M | $304.8M | 44.52% | 3.08% | 1.64% |
| Q4 2023 | $184.3M | $315.7M | 46.56% | 2.86% | 1.28% |
| Q1 2024 | $176.8M | $323.3M | 47.67% | 2.76% | 1.24% |
| Q2 2024 | $186.0M | $311.8M | 47.01% | 2.67% | 1.14% |
| Q3 2024 | $190.5M | $313.6M | 46.06% | 2.59% | 1.08% |
| Q4 2024 | $188.6M | $313.0M | 46.71% | 2.47% | 1.06% |
| Q1 2025 | $197.4M | $325.7M | 46.25% | 2.19% | 1.13% |
| Q2 2025 | $204.4M | $328.5M | 43.93% | 2.83% | 1.07% |
| Q3 2025 | $202.4M | $318.3M | 45.21% | 3.14% | 1.05% |
| Q4 2025 | $201.1M | $321.0M | 44.37% | 3.26% | 0.99% |
| Q1 2026 | $261.1M | $437.3M | 43.26% | 5.37% | 1.27% |
| Q2 2026 | $271.0M | $435.3M | 40.47% | 5.11% | 1.57% |
Century Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 147) · FFIEC NIC profile (RSSD 944337)