A
First Century Bank, National Association
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
13.10
Return On
Assets
3.07%
Total
Assets
706.18M
Capital
90.68M
Total
Deposits
589.93M
Net
Income
5.47M
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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 7.70
Profitability Index 9.80
Stability Index 7.80
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 41.65%
5-Year Asset Growth 9.28%
5-Year Charge-Offs to Average Loans 5.86%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.02%
Non-Performing Loans to Loans 0.04%
Balance Sheet First Century Bank, National Association
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Total Assets 706.18M
Total Deposits 589.93M
Capital and Reserves First Century Bank, National Association
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Capital 90.68M
Leverage Ratio 13.10
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio --
Liquidity First Century Bank, National Association
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Hot Money Ratio 0.48%
Liquidity Ratio 91.48%
Profitability First Century Bank, National Association
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5-Year Return on Average Assets 1.73%
Net Income 5.47M
Net Interest Spread 6.75%
Operating Profit to Average Assets 4.03%
Overhead Efficiency Ratio 46.61%
Return on Assets 3.07%
Return on Equity 25.03%