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Lender record

Century Bank and Trust

The real lending record — every figure from funded deals. HQ: 141 S Wayne St, Milledgeville, GA. 3 branches.

5

Recent deals (FY20+)

$290K

Typical deal

—

Approval → funding

Where Century Bank and Trust lends

Deal profile

Most Century Bank and Trust deals land between $200K and $955K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Wineries (1)
2.Automotive Parts and Accessories Retailers (1)
3.Private Mail Centers

(1)

4.Fitness and Recreational Sports Centers (1)

5.All Other Miscellaneous Fabricated Metal Product Manufacturi (1)

Most active states

1.Michigan (5 deals)

Franchises they finance most

Napa AutoCare Program Membership Agreement

1 deals

The UPS Store

1 deals

Can Century Bank and Trust fund you? The bank behind the loans

Total assets

$490.7M

▲ 34.9% vs prior quarter

Deposits on hand

$437.3M

▲ 36.2% vs prior quarter

Loans outstanding

$258.1M

▲ 29.9% vs prior quarter

Net income (latest qtr)

$2.0M

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Century Bank and Trust more SBA-focused than 64% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 1.85% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Get in touch with Century Bank and Trust

Tell us where to reach you and we'll arrange the introduction — to Century Bank and Trust or a comparable SBA specialist who fits your deal even better.

I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Walk into a Century Bank and Trust branch (3)

Century Bank And TrustMain office141 S Wayne StMilledgeville, GA 31061 · since 1898

Northside Branch1800 N Columbia StMilledgeville, GA 31061 · since 1979

Bank Of Wrightsville Branch156 N Bradford StWrightsville, GA 31096 · since 2026

Branch data: FDIC BankFind.

Recent deals

Leisure Lakes, LLC in Coldwater, MI — $955K (2026) · Wineries
Program
7a General
Rate at approval
6.75% variable
Term
312 mo (26 yrs)
SBA guaranteed
$716K (75%)
Approved
2/5/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Wineries
Your business? Claim this record · Request removal
Wilber Auto Parts LLC in Coldwater, MI — $1.2M (2025) · purchase · Automotive Parts and Accessories Retailers
Program
7a General
Rate at approval
7% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$898K (75%)
Approval → funding
18 days
Approved
6/12/2025
First disbursed
6/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
L K Woodhams, LLC in Jackson, MI — $290K (2024) · Private Mail Centers
Program
7a General
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$218K (75%)
Approval → funding
55 days
Approved
3/6/2024
First disbursed
4/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Franchise
The UPS Store
With Confidence Limited Liability Company in Sturgis, MI — $150K (2024) · Fitness and Recreational Sports Centers
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
8 days
Approved
12/21/2023
First disbursed
12/29/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
Total Fabrication Solutions, LLC in Kalamazoo, MI — $200K (2023) · All Other Miscellaneous Fabricated Metal Product Manufacturi
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approval → funding
29 days
Approved
4/11/2023
First disbursed
5/10/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Century Bank and Trust financed

5 businesses on record. Each links to its full SBA record.

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DealRoom analysis of public lending records, FY2020–present. Not affiliated with Century Bank and Trust.

AI summary

Century Bank and Trust is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Napa AutoCare Program Membership Agreement

Jobs supported

9

Business age

Change of Ownership

Industry

Automotive Parts and Accessories Retailers

If you were the buyer here

Est. deal size: $1.3M
Est. down payment (10%): $133K
Est. cash at closing: $182K
Monthly payment: $13,898
Annual debt service: $167K
Cash flow needed (1.25×): $208K

Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.

Your business? Claim this record · Request removal

Jobs supported

10

Business age

Existing or more than 2 years old

Industry

Private Mail Centers

Your business? Claim this record · Request removal

12

Business age

Startup, Loan Funds will Open Business

Industry

Fitness and Recreational Sports Centers

Your business? Claim this record · Request removal

Corporation

Jobs supported

12

Business age

Startup, Loan Funds will Open Business

Industry

All Other Miscellaneous Fabricated Metal Product Manufacturi

Your business? Claim this record · Request removal