Commerce, GA · Cert 57123 · First Century Bcorp
National charter · OCC · 2 branches
Q2 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
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.44% | 1.97% | 3.14% | 2.05% | 1.78% | 1.53% | 2.07% | 1.64% | -41 bps | |
| Return on Equity | 14.92% | 12.91% | 25.03% | 15.96% | 12.72% | 11.10% | 14.55% | 11.06% | -490 bps | |
| Net Interest Margin | 8.54% | 7.25% | 6.33% | 4.59% | 3.89% | 3.53% | 4.40% | 4.94% | +35 bps | |
| Efficiency Ratio | 47.41% | 51.48% | 46.29% | 54.62% | 57.74% | 60.71% | 56.22% | 61.96% | +734 bps | |
| Non-Interest Burden | 3.32% | 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 / Loans | 0.03% | 0.06% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 11.14% | 7.02% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 0.75% | 0.70% | 0.78% | 0.49% | 0.45% | 0.21% | 0.35% | 0.42% | -7 bps | |
| Allowance Coverage of NPLs | 27.2x | 12.3x | 20.7x | 114.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.49% | 19.06% | 13.10% | 13.42% | 17.43% | 16.66% | 12.42% | 16.84% | +343 bps | |
| Total Risk-Based Capital | 19.49% | 19.06% | 13.10% | 13.42% | 17.43% | 16.66% | 12.42% | 16.84% | +343 bps | |
| Equity / Assets | 20.13% | 12.27% | 12.84% | 13.43% | 17.27% | 13.24% | 15.41% | 16.18% | +274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 14.53% | 9.44% | 9.94% | 15.74% | 19.04% | 31.06% | 23.86% | 20.34% | +460 bps | |
| Liquid Assets / Assets | 26.46% | 53.56% | 34.77% | 24.99% | 24.32% | 25.69% | 18.94% | 19.30% | -569 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 8.11% | 7.88% | 7.05% | n/a | n/a | |