Century Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank & Trust of Milledgeville, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.91% | 1.34% | +0.57% | 82nd top |
| ROAE | 18.43% | 13.31% | +5.12% | 81st top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 47.29% | 61.15% | -13.86% | 86th top |
| PPNR / Avg Assets | 2.31% | 1.68% | +0.63% | 84th top |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 1.16% | 1.88% | -0.72% | 86th top |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.14% | 0.94% | +0.20% | 25th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.70% | -0.07% | 32nd below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 93.18% | 1539.42% | -1446.24% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.14% | 7.33% | -1.19% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.79% | 12.14% | -0.35% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.73% | 11.37% | -0.64% | 56th above |
| TCE / Tangible Assets | 9.73% | 11.09% | -1.36% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.26% | 80.65% | -18.39% | 81st top |
| Core Deposit Ratio | 96.23% | 86.86% | +9.37% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 34.18% | 6.84% | +27.34% | 98th top |
| Loan Growth (Y/Y) | 32.59% | 7.89% | +24.70% | 97th top |
| Deposit Growth (Y/Y) | 32.49% | 6.28% | +26.21% | 98th top |
See Century Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Century Bank & Trust profile, how to read a UBPR, or how this data updates.