The Citizens Bank Of Swainsboro vs Century Bank And Trust
Comparing a Bank in Swainsboro, GA with a Bank in Milledgeville, GA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank Of Swainsboro ↗ Bank · Swainsboro, GA · Est. 1900 | Century Bank And Trust ↗ Bank · Milledgeville, GA · Est. 1898 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Swainsboro, GA | Milledgeville, GA |
| Total assets | $418.9M | $490.7M |
| Capital ratio | 11.7% | 10.3% |
| Return on assets | 1.8% | 1.9% |
| Deposits | $365.7M | $437.3M |
| Branches | 5 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 124 | #3 of 124 |
| Established | 1900 | 1898 |
The Citizens Bank Of Swainsboro
- Assets: $418.9M
- Deposits: $365.7M
- Capital ratio: 11.7%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 of 124
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
Are both institutions federally insured?
Yes. The Citizens Bank Of Swainsboro is FDIC-insured and Century Bank And Trust is FDIC-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, The Citizens Bank Of Swainsboro or Century Bank And Trust?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Citizens Bank Of Swainsboro 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 The Citizens Bank Of Swainsboro safe?
Yes — The Citizens Bank Of Swainsboro 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of The Citizens Bank Of Swainsboro vs Century Bank And Trust?
The Citizens Bank Of Swainsboro has a capital ratio of 11.7%, placing it in the top 30% of $100M–1B peers. Century Bank And Trust's ratio is 10.3%, placing it in the top 48% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank Of Swainsboro have compared to Century Bank And Trust?
The CFPB database shows 0 complaints against The Citizens Bank Of Swainsboro, and 0 complaints against Century Bank And Trust. 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 The Citizens Bank Of Swainsboro with other Banks in Georgia
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
