Century Bank and Trust

Overview / Commentary

www.centurybankonline.com

478-453-3571

141 South Wayne Street
Milledgeville, GA 31061

Century Bank and Trust is headquartered in Milledgeville and is the 58^th largest bank in the state of Georgia. It is also the 2,301^st largest bank in the nation. It was established in 1898 and as of June of 2021, it had grown to 47 employees at 2 locations. Century Bank and Trust has an A+ health rating.

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Health

A+

Data as of Q2 2021

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Health Grade Components

Overall
FDIC Certificate #	147
Year Established	1898
Employees	47
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	9.17%
Annual Interest Income	$5.2MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$338.5MM$297.9MM
Loans	Q2 2021vs Q2 2020	$163.5MM$165.0MM
Deposits	Q2 2021vs Q2 2020	$304.2MM$263.7MM
Equity Capital	Q2 2021vs Q2 2020	$32.9MM$32.5MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$1.7MM$1.8MM
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$199.00K$957.00K
Real Estate Owned	Q2 2021vs Q2 2020	$18.00K$25.00K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Century Bank and Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	-	$25k	Kasasa Saver
OTHER TIERS: 0.25% → $25k+
0.20%^*	$200^*	-	Regular Savings Account
OTHER TIERS: 0.05% → Up to $200
0.20%	-	-	Christmas Savings Account

Century Bank and Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$1m^*	-	Business Money Market Account
OTHER TIERS: 0.15% → $2.5k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k \| 0.30% → $100k - $250k \| 0.35% → $250k - $500k \| 0.40% → $500k - $1m
0.30%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k

Century Bank and Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$25k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $25k+
0.30%^*	$500k^*	-	Business Now Checking Account
OTHER TIERS: 0.05% → $2.5k - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k

Century Bank and Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	$500	-	60 Month CD
0.60%	$500	-	Business 60 Month CD
0.55%	$500	-	48 Month CD
0.55%	$500	-	Business 48 Month CD
0.50%	$500	-	36 Month CD
0.50%	$500	-	Business 36 Month CD
0.45%	$500	-	30 Month CD
0.45%	$500	-	Business 30 Month CD
0.40%	$500	-	24 Month CD
0.40%	$500	-	Business 24 Month CD
0.35%	$500	-	18 Month CD
0.35%	$500	-	Business 18 Month CD
0.30%	$500	-	12 Month CD
0.30%	$500	-	Business 12 Month CD
0.25%	$500	-	180 Day CD
0.25%	$500	-	Business 180 Day CD
0.20%	$500	-	90 Day CD
0.20%	$500	-	Business 90 Day CD

Locations

Century Bank and Trust Locations
Century Bank and Trust	141 South Wayne Street	Milledgeville, GA 31061
Northside Branch	1800 North Columbia Street	Milledgeville, GA 31061

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