PackageTrendsPeer
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First Century Bank

Tazewell, TN · Cert 1700 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 752).
  • Widest gap: equity / assets trails 72% of banks under $1B in assets operating in a single state (rank 544 of 752).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.64%

Rank 129 of 752

Net Interest Margin

4.10%

Rank 218 of 752

Efficiency Ratio

47.70%

Rank 79 of 752

Equity / Assets

9.19%

Rank 544 of 752

Non-interest income vs. expense

$3.6M$17.1MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
Bank 47.70%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.64%0.72%1.07%1.45%Beats 83%129 / 752
Return on Equity17.81%6.78%10.58%13.65%Beats 93%52 / 752
Net Interest Margin4.10%3.18%3.69%4.17%Beats 71%218 / 752
Efficiency Ratio47.70%55.75%64.49%75.47%Beats 90%79 / 752
Asset Quality
Nonperforming Loans / Loans0.07%0.09%0.42%1.03%Beats 76%178 / 748
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 49%379 / 748
Capital
Tier 1 Capital Ratio11.97%11.55%13.75%17.60%Beats 31%517 / 752
Total Risk-Based Capital Ratio13.22%11.70%14.33%18.47%Beats 39%455 / 752
Equity / Assets9.19%8.93%10.56%13.13%Beats 28%544 / 752
Liquidity & Funding
Loans / Deposits97.94%62.23%78.64%91.26%87th pctl97 / 752
Loans / Assets87.36%54.61%67.41%76.47%98th pctl17 / 752
Brokered Deposits / Depositsn/aNot reported for this institution