BlastPoint's Banking Scorecard

Century Bank and Trust

$100M-$1B Specialty: Commercial GA FDIC cert 147

Milledgeville, GA

3 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Century Bank and Trust shows strong momentum with 4 strengths and 34.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.58% above tier average
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 15.66% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$490.7M +34.8% YoY +34.9% QoQ	+$104.6M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$258.1M +32.2% YoY +29.9% QoQ	+$2.4M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$437.3M +34.3% YoY +36.2% QoQ	+$109.3M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.85% +16.5% YoY +7.9% QoQ	+0.58%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.51% +16.4% YoY +7.0% QoQ	+0.58%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	49.63% -5.6% YoY -5.5% QoQ	-15.66%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.04% -79.0% YoY -76.0% QoQ	-0.84%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	59.03% -1.5% YoY -4.7% QoQ	-17.61%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	27.17% +1.5% YoY +7.2% QoQ	+5.15%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.02% -79.4% YoY -76.9% QoQ	-0.62%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	12.06% -4.9% YoY -11.3% QoQ	-3.77%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.15% -14.1% YoY -79.3% QoQ	-0.13%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

407

Efficiency Ratio

profitability

Value: 49.63%

Peer Median: 65.29%

#407 of 2664 Top 15.2% in $100M-$1B

446

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.27%

#446 of 2664 Top 16.7% in $100M-$1B

460

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#460 of 2664 Top 17.2% in $100M-$1B

468

Loan-to-Deposit Ratio

liquidity

Value: 59.03%

Peer Median: 76.64%

#468 of 2664 Top 17.5% in $100M-$1B

473

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.93%

#473 of 2664 Top 17.7% in $100M-$1B

515

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#515 of 2654 Top 19.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available