GA lenders / Community Bank
Century Bank and Trust
Community Bank · Milledgeville, GA · Century Bcorp Inc
- Total assets
- $490.7M
- CRE loan book
- $163.4M
- QoQ CRE growth
- 21.2%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.05% as of Q1 2026 — TX bank median 4.87% (2.18pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.05% | 7.25% |
| Q4 2025 | 6.81% | 6.93% |
| Q3 2025 | 7.04% | 7.15% |
| Q2 2025 | 6.70% | 6.82% |
| Q1 2025 | 6.44% | 6.56% |
| Q4 2024 | 6.44% | 6.67% |
| Q3 2024 | 6.44% | 6.58% |
| Q2 2024 | 6.27% | 6.41% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $163.4M | $46.3M | $3.9M | 222% | $99,000 |
| Q4 2025 | $134.9M | $41.5M | $4.0M | 213% | $344,000 |
| Q3 2025 | $134.6M | $38.4M | $4.5M | 217% | $356,000 |
| Q2 2025 | $137.7M | $41.6M | $6.0M | 232% | $358,000 |
| Q1 2025 | $135.7M | $38.0M | $6.1M | 233% | $364,000 |
| Q4 2024 | $130.0M | $35.5M | $6.1M | 218% | $369,000 |
| Q3 2024 | $125.7M | $31.5M | $6.2M | 214% | $0 |
| Q2 2024 | $123.6M | $29.0M | $6.9M | 215% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- BankOrionCommunity Bank · Orion · $163.3M CRE book
- Cape Ann Savings BankCommunity Bank · Gloucester · $164.4M CRE book
- Peoples State BankCommunity Bank · Prairie Du Chien · $164.7M CRE book
- Heritage Bank & TrustCommunity Bank · Columbia · $161.6M CRE book
- Southwest Capital BankCommunity Bank · Albuquerque · $160.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.