First Century Bank
Tazewell, TN · Cert 1700 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Claiborne Holding Co. Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$809.8MAssets
$707.5MLoans
$722.3MDeposits
$74.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
- Widest gap: equity / assets trails 71% of banks under $1B in assets operating in a single state (rank 533 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.64%
Rank 127 of 746
Net Interest Margin
4.10%
Rank 209 of 746
Efficiency Ratio
47.70%
Rank 74 of 746
Equity / Assets
9.19%
Rank 533 of 746
Non-interest income vs. expense
Unfavorable gap of $13.5M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.72% | 1.06% | 1.45% | Beats 83% | 127 / 746 | |
| Return on Equity | 17.81% | 6.74% | 10.51% | 13.63% | Beats 93% | 52 / 746 | |
| Net Interest Margin | 4.10% | 3.17% | 3.68% | 4.16% | Beats 72% | 209 / 746 | |
| Efficiency Ratio | 47.70% | 55.74% | 64.58% | 75.47% | Beats 90% | 74 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.42% | 1.07% | Beats 76% | 179 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 386 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.97% | 11.55% | 13.75% | 17.60% | Beats 31% | 515 / 746 | |
| Total Risk-Based Capital Ratio | 13.22% | 11.71% | 14.33% | 18.43% | Beats 40% | 451 / 746 | |
| Equity / Assets | 9.19% | 8.90% | 10.51% | 13.06% | Beats 29% | 533 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 97.94% | 61.31% | 78.27% | 90.78% | 88th pctl | 89 / 746 | |
| Loans / Assets | 87.36% | 53.60% | 66.97% | 76.08% | 98th pctl | 16 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |