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
Unfavorable gap of $22.4M · efficiency ratio beats 39% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.94% | 1.46% | 1.76% | Beats 76% | 14 / 59 | |
| Return on Equity | 10.90% | 7.92% | 11.60% | 15.10% | Beats 41% | 35 / 59 | |
| Net Interest Margin | 4.94% | 3.66% | 4.24% | 4.75% | Beats 85% | 9 / 59 | |
| Efficiency Ratio | 62.28% | 51.87% | 60.25% | 70.24% | Beats 39% | 37 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.36% | 0.89% | Beats 100% | 2 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 16.84% | 11.93% | 15.65% | 21.05% | Beats 53% | 28 / 59 | |
| Total Risk-Based Capital Ratio | 16.84% | 12.05% | 15.77% | 22.26% | Beats 53% | 28 / 59 | |
| Equity / Assets | 16.18% | 9.10% | 11.51% | 14.32% | Beats 90% | 6 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 20.34% | 59.62% | 72.81% | 85.44% | 0th pctl | 58 / 58 | |
| Loans / Assets | 16.96% | 49.55% | 64.39% | 73.73% | 2nd pctl | 58 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |