BlastPoint's Banking Scorecard
Century Bank and Trust
Milledgeville, GA
3 branches across GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +32.5% year over year ($435.3M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.94%.
- Efficiency ratio 48.75% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.60% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Century Bank and Trust shows strong momentum with 4 strengths and 34.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42.5% in tier
- + Net Interest Margin 0.47% above tier average
- + Efficiency Ratio 15.73% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$490.7M
+34.2% YoY
+0.0% QoQ
|
+$104.2M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$268.2M
+32.7% YoY
+3.9% QoQ
|
+$9.8M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$435.3M
+32.5% YoY
-0.5% QoQ
|
+$108.6M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.94%
+18.3% YoY
+4.8% QoQ
|
+0.62% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 14.5% in tier |
| Net Interest Margin ? |
4.45%
+10.3% YoY
-1.2% QoQ
|
+0.47% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
48.75%
-7.1% YoY
-1.8% QoQ
|
-15.73% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 14.5% in tier |
| Delinquency Rate ? |
0.07%
-66.0% YoY
+53.8% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
61.60%
+0.1% YoY
+4.4% QoQ
|
-16.35% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
28.39%
-1.0% YoY
+4.5% QoQ
|
+6.36% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.04%
-66.4% YoY
+59.8% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.79%
-6.5% YoY
-2.2% QoQ
|
-4.11% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.30%
-14.7% YoY
+99.6% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.4%
-0.3pp YoY +1.2pp QoQ |
+6.2pp | 22.1% | 26.2% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
+2.3pp YoY -0.3pp QoQ |
-6.4pp | 11.6% | 9.7% | 12.5% | 21% |
| CRE |
61.4%
-6.7pp YoY -1.9pp QoQ |
+21.9pp | 39.5% | 48.9% | 41.4% | 86% |
| 1-4 Family |
26.8%
-1.8pp YoY +1.4pp QoQ |
-5.8pp | 32.6% | 31.7% | 31.3% | 44% |
| Consumer |
1.6%
+0.5pp YoY +0.3pp QoQ |
-2.5pp | 4.1% | 4.8% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
11.8%
-0.8pp YoY -0.3pp QoQ |
-0.4pp | 12.2% | 14.0% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
53
+7 (+15.2%) YoY -4 (-7.0%) QoQ |
-6 | 58 | 98 | 482 | 56% |
| Assets per Employee ($) |
$9.3M
+16.5% YoY +7.6% QoQ |
+$1.7M | $7.5M | $7.5M | $8.8M | 81% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 14% |
| Allowance Coverage |
16.02x
+179.6% YoY -39.5% QoQ |
-8.14x | 24.15x | 38.10x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.2%
+0.9pp YoY +0.8pp QoQ |
+6.0pp | 12.2% | 13.6% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$4.4M
+47.4% YoY — QoQ |
+$1.8M | $2.6M | $6.6M | $40.4M | 83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.