# CENTURY BANK OF GEORGIA
CARTERSVILLE, GA · FDIC certificate 35236 · asset band $300M-1B · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $354.0M | |
| Deposits | $296.8M | |
| Loans and leases | $132.7M | |
| Total equity | $24.4M | |
| Loans / deposits | 44.15% (p5 of band) | 81.72% |
| Liquid assets / assets | 58.13% (p95 of band) | |
| Uninsured deposits / deposits | 30.67% (p73 of band) | 24.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.47% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.73% (p37 of band) | 10.35% |
| Unrealized securities loss / equity | -53.75% (p14 of band) | -17.47% |
| AOCI / equity | 1.19% (p91 of band) | |
| ROA (annualized) | 1.31% (p73 of band) | 0.93% |
| Net interest margin | 3.08% (p37 of band) | 3.35% |
| Efficiency ratio | 53.79% (p17 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.28% |
| Net charge-offs (annualized) | -0.04% (p4 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 4.51% (p7 of band) | |
| Auto loans | $842,000 (0.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% |  |
| 2022-06 | 2 |  | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-02-28 [CENTURY BANK OF GA TO MERGE WITH SOUTHERN STATES BANK - WBHF](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZ09EU2VNS0ZBcUxxNm9RbFd6VDRzWWpERUlVcWFMTnpXU1N4cWNWZkNJQ3FVYXduSUlhUHU4SFZlbDBFMTMya19JaW5jT0ZrS0Q1MEJNQnF5T0RVd3FiRTREc2RVdHkzOWZoWG9KWHRIdWFlR2NiSTA0bktya0lFRUZ3?oc=5) · WBHF
- 2024-03-17 [Century Bank Of Georgia To Merge With Southern States Bank - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNRGFTODlfWEhlODM4MV9naUZJSTAtSzUtV1dDdzVoOUdWLTRJQlBjQzhfUXc1YjNZOUNFLWNic3Z3X1VkYnREaDJCMnFHYTV1ZWJnOHpBMmlhTVhhOUpWVUNYXy16bmtpR1F5YlRfUVplMkVjZVRXOFNpeldOQzRrZzRWRnJiVHJBV3I0Qm9HOHpPbWE3b1BLN25ZZzBkeTVyTlFKSzVYaGppOF96NmhFT05oamJ5RnhWYm1DV3AwNTBpX3NmNXY1SjZQNUJQSGZnLVJpbFdZeUFYUndFMFE?oc=5) · The Rome News-Tribune
- 2011-08-12 [Century Bank Gives $5,000 to Museum - Patch](https://news.google.com/rss/articles/CBMifEFVX3lxTE9MMFg1SlU0RVRXaHc4WEJZQXR6anN0YXJqdVpPNDQ1UVFyZnh3Qk9pd2E2NFphSlFDZUNzSG1SaGF3bGc3d3ZHYmhDQ1J1TUFMa3JMcTNHdkpvX2ExaFo5VGRoUFdrNjdrdUc3dk5wUEFiazNtV08wQXFCMno?oc=5) · Patch
- 2024-01-31 [DXD Capital Delivers Atlanta Facility - Multifamily Housing News](https://news.google.com/rss/articles/CBMie0FVX3lxTFBWVkNyeTFrMDJVSVd6V2ZIV095M2lZZkZUNS1LQWxKZnFpTlUtVWxvcVRFUWI1dWxEd2k2SDF1WV8xZzNYNWw2M012UmpfNlVGMkY0X0FrVENfY1R4MURRbWJ1bDEwNlNaMXVUa09QNEt5MkFpeHRMdDFhYw?oc=5) · Multifamily Housing News
- 2019-02-25 [Two Top Georgia State Administrators To Retire In Coming Months - Georgia State University News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTWhZUW1XMi1jR1BiY01hZUEzcnFERnE0WkRxeEt1cjhEcUFVYXhzMDBoZk51SzJ4aW1Hc2VmQm1XdE1GZV9aVThsRzdpSUlMR2FhT29JbkpIcTE5aEhmSmJHSDFGWVFNenhoMjVuc2JXQ3YzN0F2d2tlMFZiNFRHY0h6aWhad1JTX3lJQWJQMHJRMWlhVkhSelNCUHk?oc=5) · Georgia State University News
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2020-03-21 [For Small Businesses, It’s a Virus Chain Reaction - wsj.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTTJwWDZlSGlVN000SWdGOVVjVjZQZEQ1TEQwNEpqSVkwam00M2FfQXdDTzJybW1RckVKUXdGS2lqTDFad29OSE1leXR6R2lLU3JWNElYM0pVZ3VXZUZ0X01NTFlNN1BfV1NpaF9rX1c3eHdNNGpFN1Z2bUQzMUhSZXYzTTRzR0RCYk5vVnhmZGZsQQ?oc=5) · wsj.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35236 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "35236", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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