Century Bank and Trust (FDIC certificate #147) is based in Milledgeville, Georgia. Its Q2 2026 call report shows $490.7M in total assets and $435.3M in deposits and 3 offices.
Based on its Q2 2026 filing, Century Bank and Trust scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 20th. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is capital cushion (68/100; 11.79%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 84 |
| Q1 2025 | 86 |
| Q2 2025 | 86 |
| Q3 2025 | 89 |
| Q4 2025 | 89 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.24% |
| Q3 2024 | 12.62% |
| Q4 2024 | 12.82% |
| Q1 2025 | 12.69% |
| Q2 2025 | 12.61% |
| Q3 2025 | 13.33% |
| Q4 2025 | 13.60% |
| Q1 2026 | 12.06% |
| Q2 2026 | 11.79% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.59% |
| Q2 2025 | 1.64% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.72% |
| Q1 2026 | 1.85% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $490.7M | 11.79% | 0.07% | 1.94% | 61.6% |
| Q1 2026 | 87 | $490.7M | 12.06% | 0.04% | 1.85% | 59.0% |
| Q4 2025 | 89 | $363.8M | 13.60% | 0.18% | 1.72% | 61.9% |
| Q3 2025 | 89 | $359.2M | 13.33% | 0.19% | 1.74% | 62.8% |
| Q2 2025 | 86 | $365.7M | 12.61% | 0.19% | 1.64% | 61.5% |
| Q1 2025 | 86 | $364.1M | 12.69% | 0.20% | 1.59% | 59.9% |
| Q4 2024 | 84 | $349.5M | 12.82% | 0.21% | 1.30% | 59.6% |
| Q3 2024 | 85 | $354.9M | 12.62% | 0.00% | 1.23% | 60.0% |
| Q2 2024 | 84 | $348.8M | 12.24% | 0.00% | 1.20% | 59.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Commerce Bank, National AssociationBank Bremen, GA | 63 out of 100, Moderate | $495.7M | 17.1% | 2.98% | vs |
| Planters First BankBank Cordele, GA | 68 out of 100, Moderate | $485.7M | 10.7% | 1.41% | vs |
| Citizens Bank of AmericusBank Americus, GA | 77 out of 100, Strong | $511.1M | 10.3% | 0.09% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| The Commercial BankBank Crawford, GA | 79 out of 100, Strong | $463.7M | 10.7% | 0.17% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
Deposit insurance
Is my money safe at Century Bank and Trust?
Yes. Century Bank and Trust is an FDIC-insured institution (FDIC certificate #147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($125.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Century Bank and Trust lists 3 offices in 2 cities. Most locations:
- Milledgeville, GA (2)
- Wrightsville, GA (1)
Identity & history
Profile
- Legal name
- Century Bank and Trust
- Former names
- The Merchants and Farmers Bank of Milledgeville
- Type
- State-chartered bank
- FDIC certificate #
- 147
- RSSD ID
- 944337
- Primary regulator
- FDIC
- Holding company
- Century Bcorp Inc
- Established
- January 1, 1898
- Headquarters
- 141 S Wayne St, Milledgeville, GA 31061
- Website
- www.century.bank
- Employees
- 53
Quick answers
Century Bank and Trust: common questions
Is Century Bank and Trust FDIC insured?
Yes. Century Bank and Trust is an FDIC-insured institution (FDIC certificate #147). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Century Bank and Trust's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Century Bank and Trust ever failed?
There is no failure record for FDIC certificate #147 in the FDIC failed bank list.
How many branches does Century Bank and Trust have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milledgeville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Peoples BankBank Eatonton, GA | 79 out of 100, Strong | $269.7M | 11.7% | 0.00% | vs |