Century Bank and Trust

Headquarters: Milledgeville, Georgia
Charter: Bank
Assets: $490.7M
Fed district: Atlanta
Regulator: FDIC
Holding company: Century Bancorp Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Century Bank and Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Century Bank and Trust's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Century Bank and Trust (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $117K in Q2 2026, 5.4% above the same quarter a year earlier ($111K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Regular Checking $5.50 · NOW Personal Checking $7.50
Compared at $6.50, the middle of its prices
Century Bank and Trust: $5.50 to $7.50
Century Bank and Trust: $5.50 to $7.50
U.S. median: no median
Overdraft (OD)
Century Bank and Trust: $32
Century Bank and Trust: $32
U.S. median: no median
NSF / Returned Item
Century Bank and Trust: $32
Century Bank and Trust: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $117K.

Service-charge income, Q2 2026

$117K

$116KQ3 2025

$115KQ4 2025

$123KQ1 2026

$117KQ2 2026

Against the median

Century Bank and TrustMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Century Bank and Trust · $491M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$478M to $503M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Century Bank and Trust(this institution)	Milledgeville, GA	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ambler Savings Bank	Ambler, PA	$502M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arundel Federal Savings Bank	Glen Burnie, MD	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Bank & Trust Company	Plaquemine, LA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colonial Savings, F.A.	Fort Worth, TX	$502M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dean Co-operative Bank	Franklin, MA	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Eclipse Bank, Inc.	Louisville, KY	$486M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
EvaBank	Eva, AL	$491M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust	Bayport, MN	$499M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
FirstBank of Nebraska	Wahoo, NE	$498M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
FNB Community Bank	Midwest City, OK	$480M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fulton Savings Bank	Fulton, NY	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Grinnell State Bank	Grinnell, IA	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hoyne Savings Bank	Chicago, IL	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa State Bank	Des Moines, IA	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio State Bank	Bexley, OH	$484M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River City Bank, Inc.	Louisville, KY	$495M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seamen's Bank	Provincetown, MA	$478M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Shamrock Bank, N.A.	Coalgate, OK	$501M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Capital Bank	Albuquerque, NM	$483M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sterling Federal Bank, F.S.B.	Sterling, IL	$482M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank, National Association	McAlester, OK	$488M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens Bank of Clovis	Clovis, NM	$493M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Napoleon State Bank	Napoleon, IN	$499M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
UNICO Bank	Mineral Point, MO	$503M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wallkill Valley Federal Savings and Loan Association	Wallkill, NY	$485M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (13%) below the median of similar-sized banks.

Compared at $6.50, the middle of its two prices, against a peer median of $7.50 among 16 publishing peers.

Its two checking prices are $5.50 and $7.50.

$6.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026.

Monthly maintenance fee in dollars, one mark per institution

Century Bank and Trust: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Century Bank and Trust (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $117K
vs prior quarter: −$6K−4.9%; from Q1 2026
vs a year earlier: +$6K+5.4%; from Q2 2025
vs start of range: +$7K+6.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Century Bank and Trust (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$117K	−$6K	−4.9%
Q1 2026	$123K	+$8K	+7.0%
Q4 2025	$115K	−$1K	−0.9%
Q3 2025	$116K	+$5K	+4.5%
Q2 2025	$111K	−$4K	−3.5%
Q1 2025	$115K	+$2K	+1.8%
Q4 2024	$113K	+$3K	+2.7%
Q3 2024	$110K	+$23K	+26.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Century Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$5.50
per month
Monthly Maintenance$7.50
per month
Early Account Closure$10
one time
Research/Account Balancing$40
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft fee - each overdraft paid$32
per item
Returned Item Fee$32
per item

ATM & Card

Debit Card Replacement Fee$10
per item

Wire Transfers

Wire Transfer Fee - Domestic Outgoing$25
per item
Wire Transfer Fee - Domestic Incoming$15
per item
Wire Transfer Fee - International Outgoing$50
per item
Wire Transfer Fee - International Incoming$25
per item

Check Services

Cashier's Check$7
per item
Stop Payment Charge$32
per item
Stop Payment Charge via Online Banking or Telephone Banking$20
per item
Collection Item Fee - Incoming$10
per item
Collection Item Fee - Outgoing$20
per item
Statement Copy with Check Images$5
Statement Copy Without Check Images$2

Account Services

Safe Deposit Box 10 X 10$105
Safe Deposit Box 11 X 12$120
Safe Deposit Box 15 X 22$240
Safe Deposit Box 15 X 44$480
Safe Deposit Box 3 X 10$42
Safe Deposit Box 3 X 5$21
Safe Deposit Box 5 X 10$65
Safe Deposit Box Annual Rates 2 X 5$15
per year
Safe Deposit Box Replacement Key$40
Not compared: Box drilling or key fee
per item
Garnishment$75
per item
Levy/Other Legal Proceeding$75
per item

Retirement & IRA

IRA Withdrawal Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$5.50	per month	None
Monthly Maintenance	$7.50	per month	None
Early Account Closure	$10	one time	None
Research/Account Balancing	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft fee - each overdraft paid	$32	per item	None
Returned Item Fee	$32	per item	None
ATM & Card
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfer Fee - Domestic Outgoing	$25	per item	None
Wire Transfer Fee - Domestic Incoming	$15	per item	None
Wire Transfer Fee - International Outgoing	$50	per item	None
Wire Transfer Fee - International Incoming	$25	per item	None
Check Services
Cashier's Check	$7	per item	None
Stop Payment Charge	$32	per item	None
Stop Payment Charge via Online Banking or Telephone Banking	$20	per item	None
Collection Item Fee - Incoming	$10	per item	None
Collection Item Fee - Outgoing	$20	per item	None
Statement Copy with Check Images	$5	Not stated	None
Statement Copy Without Check Images	$2	Not stated	None
Account Services
Safe Deposit Box 10 X 10	$105	Not stated	None
Safe Deposit Box 11 X 12	$120	Not stated	None
Safe Deposit Box 15 X 22	$240	Not stated	None
Safe Deposit Box 15 X 44	$480	Not stated	None
Safe Deposit Box 3 X 10	$42	Not stated	None
Safe Deposit Box 3 X 5	$21	Not stated	None
Safe Deposit Box 5 X 10	$65	Not stated	None
Safe Deposit Box Annual Rates 2 X 5	$15	per year	None
Safe Deposit Box Replacement Key	$40Not compared: Box drilling or key fee	per item	None
Garnishment	$75	per item	None
Levy/Other Legal Proceeding	$75	per item	None
Retirement & IRA
IRA Withdrawal Fee	$25	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Century Bank and Trust operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Century Bank and Trust's safe deposit box changes in our data

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