Bank · FDIC insured
Century Bank & Trust
A $490.7M bank headquartered in Milledgeville, GA, with 3 branches in Georgia. Best rates: CDs 0.70% and savings 0.35% APY.
Century Bank & Trust Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#4 of 5 in Milledgeville, GA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Century Bank & Trust
Founded in 1898 as The Merchants and Farmers Bank in Milledgeville, Georgia, Century Bank and Trust operates under local control as a subsidiary of Century Bancorp, Inc.
The institution established its Trust and Financial Services Division in 1987 and adopted the name Century Bank and Trust in 1993.
The bank focuses on retail customers and small to medium-sized businesses, offering services including residential mortgages, personal installment loans, and commercial lending.
- Headquarters
- 141 S Wayne St, Milledgeville, GA 31061
- FDIC certificate
- 147 ↗
Branches
3 branches in Georgia
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Georgia
3 branches
Milledgeville area · 2
- Century Bank and TrustMain office141 S Wayne St, Milledgeville, GA 31061Directions
- Northside Branch1800 N Columbia St, Milledgeville, GA 31061Directions
Dublin area · 1
- Bank Of Wrightsville Branch156 N Bradford St, Wrightsville, GA 31096Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.94% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $62 | $81 | — |
- CapitalLeverage ratio11.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.94%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$62Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Century Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.