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

Unfavorable gap of $4.5M · efficiency ratio beats 75% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	1.26%	0.79%	1.22%	1.52%	Beats 54%	11 / 24	n/a
Return on Equity	18.33%	9.24%	14.23%	17.58%	Beats 83%	4 / 24	n/a
Net Interest Margin	2.75%	3.03%	3.67%	4.74%	Beats 17%	20 / 24	n/a
Efficiency Ratio	53.79%	53.79%	61.47%	77.83%	Beats 75%	7 / 24	n/a
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.42%	1.10%	Beats 100%	7 / 23	n/a
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.07%	Beats 70%	9 / 23	n/a
Capital
Tier 1 Capital Ratio	23.47%	13.46%	16.99%	18.69%	Beats 88%	3 / 24	n/a
Total Risk-Based Capital Ratio	24.72%	14.71%	18.18%	19.86%	Beats 88%	3 / 24	n/a
Equity / Assets	6.90%	8.27%	10.27%	12.90%	Beats 13%	21 / 24	n/a
Liquidity & Funding
Loans / Deposits	44.70%	64.60%	81.50%	94.97%	13th pctl	21 / 24	n/a
Loans / Assets	37.48%	56.57%	71.37%	79.24%	4th pctl	22 / 23	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution