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Century Bank and Trust

Milledgeville, GA
IDRSSD: 944337
Total Assets
$359.17M
Latest filing
Total Deposits
$318.33M
Latest filing
Net Interest Margin
4.44%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1898
Community BankYes
Ownership TypeNot Mutual
ZIP31061
State and County Number13009
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameMilledgeville, GA

Operational Info

Number of Employees46
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.century.bank
Data Updated11/14/2025
CERT147
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$359.17M
Total Deposits$318.33M
Total Liabilities$320.35M
Total Equity Capital$38.82M
Net Income$1.74M
Net Loans and Leases$200.06M
Assets Per Employee ($Millions)$7.33M
Bank Premises and Fixed Assets$2.64M
Cash and Balances due from Depository Institutions$17.45M
Deposits Held in Domestic Offices$318.33M

Key Performance Ratios

Return on Assets (ROA)1.92%
Return on Equity (ROE)18.79%
Net Interest Margin4.44%
Efficiency Ratio50.17%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.03%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.809%
Earning Assets to total Assets94.68%

Income and Expense

Total Interest Income$4.72M
Total Noninterest Income$708.00k
Total Interest Expense$914.00k
Total Noninterest Expense$2.26M
Net Interest Income$3.80M
Pre-tax Net Operating Income$2.21M
Provision for Credit Losses$30.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.02M
Total Liabilities and Capital$359.17M

Securities

Securities$127.27M
Available-for-sale debt securities$92.32M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$34.95M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Century Bank and Trust?
$359.17M as of the latest filing.
How much are Century Bank and Trust's total deposits?
$318.33M in total deposits.
Where is Century Bank and Trust located?
Milledgeville, GA.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1898.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$200.06M (latest filing).
What is the total interest income (latest filing)?
$4.72M.