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First Century Bank, National Association

Commerce, GA · Cert 57123 · First Century Bcorp

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Century Bank, National Association

Commerce, GA · Cert 57123 · First Century Bcorp

National charter · OCC · 2 branches

Q2 2026

$831.6MAssets
$141.0MLoans
$693.2MDeposits
$134.5MEquity
Loan mix
6%RE $9.8M32%C&I $53.5M62%Consumer $102.6MQ3 2024Q2 2026
Deposit mix
26%Interest-bearing $178.0M74%Noninterest $515.1MQ3 2024Q2 2026

Market Position · Hilton Head Island-Bluffton-Port Royal, SC · 2026 SOD (annual) · 0.6% share · #18 of 21 inst. · $0.0B of $7.0B

34.0% Jackson
0.6% Beaufort

Executive Summary

  • Earnings: ROA of 1.64%, down 41 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.84%, up 343 bps from a year ago.
  • Funding: loans stand at 20.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.64%-41 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+35 bps YoY

Efficiency Ratio (YTD, annualized)

61.96%+734 bps YoY

Tier 1 Leverage Ratio

16.84%+343 bps YoY

NIM

11.45%Q2 ’244.80%Q2 ’255.03%Q2 ’26-54%+8%

Non-interest income vs. expense

4.83%Q2 ’243.20%Q2 ’253.70%Q2 ’26-43%+37%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.44%1.97%3.14%2.05%1.78%1.53%2.07%1.64%-41 bps
Return on Equity14.92%12.91%25.03%15.96%12.72%11.10%14.55%11.06%-490 bps
Net Interest Margin8.54%7.25%6.33%4.59%3.89%3.53%4.40%4.94%+35 bps
Efficiency Ratio47.41%51.48%46.29%54.62%57.74%60.71%56.22%61.96%+734 bps
Non-Interest Burden3.32%3.08%2.26%1.98%1.78%1.75%2.16%2.70%+72 bps
Growth
Asset Growth (YoY)-1.59%12.63%41.65%60.57%77.99%43.73%22.12%19.46%-4,111 bps
Loan Growth (YoY)91.30%62.99%21.74%175.57%145.78%368%184.46%49.70%-12,587 bps
Deposit Growth (YoY)-2.74%12.39%48.57%71.78%87.57%42.30%18.45%15.86%-5,592 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.06%0.04%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans11.14%7.02%0.00%0.03%0.00%0.00%0.00%0.00%-3 bps
Allowance / Loans0.75%0.70%0.78%0.49%0.45%0.21%0.35%0.42%-7 bps
Allowance Coverage of NPLs27.2x12.3x20.7x114.8xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.49%19.06%13.10%13.42%17.43%16.66%12.42%16.84%+343 bps
Total Risk-Based Capital19.49%19.06%13.10%13.42%17.43%16.66%12.42%16.84%+343 bps
Equity / Assets20.13%12.27%12.84%13.43%17.27%13.24%15.41%16.18%+274 bps
Liquidity & Funding
Loans / Deposits14.53%9.44%9.94%15.74%19.04%31.06%23.86%20.34%+460 bps
Liquid Assets / Assets26.46%53.56%34.77%24.99%24.32%25.69%18.94%19.30%-569 bps
CRE / Total Capitaln/an/an/an/a8.11%7.88%7.05%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Century Bank, National Association

Commerce, GA · Cert 57123 · Peer group: banks under $1B in assets in GA (n=58-59) · First Century Bcorp

National charter · OCC · 2 branches

Q2 2026

$831.6MAssets
$141.0MLoans
$693.2MDeposits
$134.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in GA (rank 2 of 58).
  • Widest gap: efficiency ratio trails 61% of banks under $1B in assets in GA (rank 37 of 59).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.76%

Rank 14 of 59

Net Interest Margin

4.94%

Rank 9 of 59

Efficiency Ratio

62.28%

Rank 37 of 59

Equity / Assets

16.18%

Rank 6 of 59

Non-interest income vs. expense

$8.3M$30.7MINCOMEEXPENSE
Unfavorable gap of $22.4M · efficiency ratio beats 39% of banks under $1B in assets in GA
Bank 62.28%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.76%0.94%1.46%1.76%Beats 76%14 / 59
Return on Equity10.90%7.92%11.60%15.10%Beats 41%35 / 59
Net Interest Margin4.94%3.66%4.24%4.75%Beats 85%9 / 59
Efficiency Ratio62.28%51.87%60.25%70.24%Beats 39%37 / 59
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.36%0.89%Beats 100%2 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio16.84%11.93%15.65%21.05%Beats 53%28 / 59
Total Risk-Based Capital Ratio16.84%12.05%15.77%22.26%Beats 53%28 / 59
Equity / Assets16.18%9.10%11.51%14.32%Beats 90%6 / 59
Liquidity & Funding
Loans / Deposits20.34%59.62%72.81%85.44%0th pctl58 / 58
Loans / Assets16.96%49.55%64.39%73.73%2nd pctl58 / 59
Brokered Deposits / Depositsn/aNot reported for this institution