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Letter portraitLegal landscapeQuarterYTD

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 $102.6MQ2 2025Q2 2026
Deposit mix
26%Interest-bearing $178.0M74%Noninterest $515.1MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%1.78%1.53%2.07%1.64%-41 bps
Return on Equity15.96%12.72%11.10%14.55%11.06%-490 bps
Net Interest Margin4.59%3.89%3.53%4.40%4.94%+35 bps
Efficiency Ratio54.62%57.74%60.71%56.22%61.96%+734 bps
Non-Interest Burden1.98%1.78%1.75%2.16%2.70%+72 bps
Growth
Asset Growth (YoY)60.57%77.99%43.73%22.12%19.46%-4,111 bps
Loan Growth (YoY)175.57%145.78%368%184.46%49.70%-12,587 bps
Deposit Growth (YoY)71.78%87.57%42.30%18.45%15.86%-5,592 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.00%0.00%0.00%0.00%-3 bps
Allowance / Loans0.49%0.45%0.21%0.35%0.42%-7 bps
Allowance Coverage of NPLs114.8xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.42%17.43%16.66%12.42%16.84%+343 bps
Total Risk-Based Capital13.42%17.43%16.66%12.42%16.84%+343 bps
Equity / Assets13.43%17.27%13.24%15.41%16.18%+274 bps
Liquidity & Funding
Loans / Deposits15.74%19.04%31.06%23.86%20.34%+460 bps
Liquid Assets / Assets24.99%24.32%25.69%18.94%19.30%-569 bps
CRE / Total Capitaln/a8.11%7.88%7.05%n/an/a