Century Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 4.97 percentage points in Q2 2026, from 98.15% to 93.18%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Century Bank & Trust is 31st of 121 on return on assets, 1.91% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Century Bank & Trust reported 1.91% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.79% |
| Equity capital to assets | 10.73% |
| Tangible equity to tangible assets | 9.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 6.14% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 93.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 18.43% |
| Net interest margin | 4.19% |
| Efficiency ratio | 47.29% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.26% |
| Core deposits to total deposits | 96.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.70% |
| Securities to assets | 29.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 1.30% | 3.49% | 0.01% | -0.12% |
| Q4 2023 | 11.78% | 1.18% | 3.29% | 0.00% | 0.00% |
| Q1 2024 | 11.85% | 1.08% | 3.30% | 0.00% | -0.01% |
| Q2 2024 | 12.24% | 1.24% | 3.38% | 0.00% | 0.00% |
| Q3 2024 | 12.62% | 1.25% | 3.51% | 0.00% | 0.00% |
| Q4 2024 | 12.82% | 1.45% | 3.70% | 0.21% | -0.00% |
| Q1 2025 | 12.69% | 1.56% | 3.81% | 0.20% | -0.00% |
| Q2 2025 | 12.61% | 1.62% | 4.02% | 0.19% | 0.02% |
| Q3 2025 | 13.33% | 1.87% | 4.33% | 1.64% | -0.01% |
| Q4 2025 | 13.60% | 1.60% | 4.19% | 1.63% | 0.02% |
| Q1 2026 | 12.06% | 1.70% | 4.16% | 1.16% | -0.02% |
| Q2 2026 | 11.79% | 1.91% | 4.19% | 1.14% | -0.00% |
Century Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)