Side-by-side · Q2 2026 data
Century Bank and Trust vs The Citizens Bank of Swainsboro
Metric by metric
| Measure | Century Bank and Trust | The Citizens Bank of Swainsboro |
|---|---|---|
| TellerScore | 87 (stronger) | 82 |
| Capital cushion | 68 | 73 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 98 (stronger) | 93 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 91st | 82nd |
| Total assets | $490.7M | $420.5M |
| Deposits / shares | $435.3M | $365.1M |
| Capital ratio | 11.79% | 12.29% (stronger) |
| Problem loans | 0.07% (stronger) | 0.36% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.94% (stronger) | 1.83% |
| Loans ÷ deposits | 61.6% (stronger) | 80.3% |
| Uninsured deposits | 28.9% | 24.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 5 and The Citizens Bank of Swainsboro on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.