Century Bank and Trust: how it compares with its peers
Against 67 GA banks with half to twice its assets, Century Bank and Trust's strongest measure in Q2 2026 is return on assets (1.94% vs. a 1.59% peer median). Its weakest relative measure is net interest margin (4.45% vs. 4.64%).
| Measure | Century Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.59% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.64% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.75% | 56.50% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $7.1M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.60% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 48.75% is better than the 56.50% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American Commerce Bank, National Association Bremen, GA · $496M
- Planters First Bank Cordele, GA · $486M
- Citizens Bank of Americus Americus, GA · $511M
- First State Bank Wrens, GA · $513M
- The Commercial Bank Crawford, GA · $464M
- First Peoples Bank Pine Mountain, GA · $449M
Questions about Century Bank and Trust
How big is Century Bank and Trust?
Century Bank and Trust, established in 1898, is headquartered in Milledgeville, GA. It reported $491M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Century Bank and Trust's return on assets?
1.94% annualized in Q2 2026, against a 1.59% median for 67 GA banks with half to twice its assets, ahead of 84% of them.
What is Century Bank and Trust's efficiency ratio?
48.75% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 56.50%, and lower is better.
Is Century Bank and Trust growing its loans?
Net loans grew 32.7% over the year to Q2 2026, while deposits grew 32.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.