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Century Bank of Bartow County

Cartersville, GA · Cert 35236

FDIC · 2 branches

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2024peer median (50)

Asset Quality

85

Q2 2024Q2 2024peer median (50)

Profitability

51

Q2 2024Q2 2024peer median (50)

Liquidity

1

Q2 2024Q2 2024peer median

Efficiency

75

Q2 2024Q2 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Century Bank of Bartow County

Cartersville, GA · Cert 35236

FDIC · 2 branches

Q2 2024

$354.0MAssets
$132.7MLoans
$296.8MDeposits
$24.4MEquity
Loan mix
80%RE $62.1M17%C&I $12.9M3%Consumer $2.3MQ2 2023Q2 2024
Deposit mix
64%Interest-bearing $189.9M36%Noninterest $106.9MQ2 2023Q2 2024

NIM

2.55%Q2 ’223.84%Q2 ’234.33%Q2 ’24+36%-17%

Non-interest income vs. expense

1.64%Q2 ’221.85%Q2 ’231.72%Q2 ’24+17%-9%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.1% share · #46 of 81 inst. · $0.2B of $236.7B

11.4% Bartow
13.7% Polk

Executive Summary

  • Earnings: ROA of 1.31%, down 12 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 9.73%, up 13 bps from a year ago.
  • Funding: loans stand at 44.70% of deposits as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

1.31%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-57 bps YoY

Efficiency Ratio (YTD, annualized)

53.79%+458 bps YoY

Tier 1 Leverage Ratio

9.73%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.44%1.56%1.48%1.28%1.31%-12 bps
Return on Equity25.22%26.68%24.21%18.83%19.18%-604 bps
Net Interest Margin3.32%3.33%3.23%2.73%2.75%-57 bps
Efficiency Ratio49.21%50.73%51.27%55.84%53.79%+458 bps
Non-Interest Burden1.40%1.45%1.42%1.32%1.27%-13 bps
Growth
Asset Growth (YoY)-6.21%-8.55%-9.95%5.57%10.82%+1,703 bps
Loan Growth (YoY)14.41%12.83%13.13%11.45%6.92%-750 bps
Deposit Growth (YoY)-7.67%-10.41%-11.84%-4.86%-0.36%+731 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.01%-0.09%-9 bps
Allowance / Loans1.79%1.29%1.23%1.22%1.22%-57 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.61%10.40%10.63%9.83%9.73%+13 bps
Total Risk-Based Capital22.34%22.96%22.86%23.83%24.72%+239 bps
Equity / Assets6.21%6.35%7.16%6.50%6.90%+68 bps
Liquidity & Funding
Loans / Deposits41.65%43.38%45.32%44.19%44.70%+304 bps
Liquid Assets / Assets37.34%36.01%34.63%42.39%42.56%+521 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Century Bank of Bartow County

Cartersville, GA · Cert 35236 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=23-24)

FDIC · 2 branches

Q2 2024

$354.0MAssets
$132.7MLoans
$296.8MDeposits
$24.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 23).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 21 of 24).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.26%

Rank 11 of 24

Net Interest Margin

2.75%

Rank 20 of 24

Efficiency Ratio

53.79%

Rank 7 of 24

Equity / Assets

6.90%

Rank 21 of 24

Non-interest income vs. expense

$1.6M$6.1MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 75% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.79%1.22%1.52%Beats 54%11 / 24
Return on Equity18.33%9.24%14.23%17.58%Beats 83%4 / 24
Net Interest Margin2.75%3.03%3.67%4.74%Beats 17%20 / 24
Efficiency Ratio53.79%53.79%61.47%77.83%Beats 75%7 / 24
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.42%1.10%Beats 100%7 / 23
Net Charge-Offs / Loans0.00%0.00%0.01%0.07%Beats 70%9 / 23
Capital
Tier 1 Capital Ratio23.47%13.46%16.99%18.69%Beats 88%3 / 24
Total Risk-Based Capital Ratio24.72%14.71%18.18%19.86%Beats 88%3 / 24
Equity / Assets6.90%8.27%10.27%12.90%Beats 13%21 / 24
Liquidity & Funding
Loans / Deposits44.70%64.60%81.50%94.97%13th pctl21 / 24
Loans / Assets37.48%56.57%71.37%79.24%4th pctl22 / 23
Brokered Deposits / Depositsn/aNot reported for this institution