Century Bank And Trust vs Excel
Comparing a Bank in Milledgeville, GA with a Credit Union in Norcross, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Century Bank And Trust ↗ Bank · Milledgeville, GA · Est. 1898 | Excel ↗ Credit Union · Norcross, GA · Est. 1952 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Milledgeville, GA | Norcross, GA |
| Total assets | $490.7M | $173.2M |
| Capital ratio | 10.3% | 13.3% |
| Return on assets | 1.9% | 1.1% |
| Deposits | $437.3M | — |
| Branches | 3 | 10,387 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 124 | #1 of 72 |
| Established | 1898 | 1952 |
Century Bank And Trust
- Assets: $490.7M
- Deposits: $437.3M
- Capital ratio: 10.3%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #3 of 124
Excel
- Assets: $173.2M
- Members: 10,387
- Capital ratio: 13.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 72
Are both institutions federally insured?
Yes. Century Bank And Trust is FDIC-insured and Excel is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Century Bank And Trust or Excel?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Century Bank And Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Century Bank And Trust safe?
Yes — Century Bank And Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Excel safe?
Yes — Excel is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Century Bank And Trust vs Excel?
Century Bank And Trust has a capital ratio of 10.3%, placing it in the top 48% of $100M–1B peers. Excel's ratio is 13.3%, placing it in the top 25% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Century Bank And Trust have compared to Excel?
The CFPB database shows 0 complaints against Century Bank And Trust, and 0 complaints against Excel. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Century Bank And Trust with other Banks in Georgia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
