First Century Bank, National Association

BankCommerce, Georgia
www.myfirstcenturybank.com

Total Assets

$983.7M

Total Deposits

$846.2M

Branches

2

Established

2002

TFS Health Grade

$
F

58.1 / 100

Poor financial health

How we grade

First Century Bank, National Association is a bank headquartered in Commerce, Georgia, established in 2002. With $983.7M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (58.1/100).

Capital & Safety

Tier 1 Capital Ratio
16.66%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.53%(1%)
Return on Equity (ROE)
11.10%(10%)
Net Interest Margin
3.77%
Efficiency Ratio
60.71%(60%)

Lending & Liquidity

Total Loans
$262.8M
Loan-to-Deposit Ratio
30.99%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+43.73%
Deposit Growth (YoY)
+42.30%
Net Income
$11.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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