A
First Century Bank, National Association
Rating Date
August 2024
Risk Based
Capital Ratio
--
Leverage
Ratio
19.49
Return On
Assets
2.15%
Total
Assets
415.57M
Capital
83.65M
Total
Deposits
324.36M
Net
Income
8.94M
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Weiss Ratings First Century Bank, National Association
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 6.90
Profitability Index 9.90
Stability Index 7.20
Company Info First Century Bank, National Association
Commerce, GA 		Click to
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FDIC Number 57123
Phone Number (770) 297-8060
Website www.myfirstcenturybank.com
Asset Quality First Century Bank, National Association
Commerce, GA 		Click to
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1-Year Asset Growth -1.59%
5-Year Asset Growth 66.58%
5-Year Charge-Offs to Average Loans 4.99%
Charge-Offs to Average Loans 7.59%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.02%
Non-Performing Loans to Loans 0.03%
Balance Sheet First Century Bank, National Association
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Total Assets 415.57M
Total Deposits 324.36M
Capital and Reserves First Century Bank, National Association
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Capital 83.65M
Leverage Ratio 19.49
Loan Loss Reserves to Loans 0.75%
Risk-Based Capital Ratio --
Liquidity First Century Bank, National Association
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Hot Money Ratio 0.77%
Liquidity Ratio 51.42%
Profitability First Century Bank, National Association
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5-Year Return on Average Assets 1.72%
Net Income 8.94M
Net Interest Spread 7.18%
Operating Profit to Average Assets 2.93%
Overhead Efficiency Ratio 47.83%
Return on Assets 2.15%
Return on Equity 14.88%