A
First Century Bank, National Association
Rating Date
June 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.42
Return On
Assets
1.74%
Total
Assets
862.36M
Capital
132.88M
Total
Deposits
698.77M
Net
Income
4.78M
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Weiss Ratings First Century Bank, National Association
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Rating A
Asset Quality Index 8.20
Capitalization Index 10.00
Liquidity Index 5.90
Profitability Index 8.90
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 22.12%
5-Year Asset Growth 21.91%
5-Year Charge-Offs to Average Loans 4.85%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet First Century Bank, National Association
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Total Assets 862.36M
Total Deposits 698.77M
Capital and Reserves First Century Bank, National Association
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Capital 132.88M
Leverage Ratio 12.42
Loan Loss Reserves to Loans 0.35%
Risk-Based Capital Ratio --
Liquidity First Century Bank, National Association
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Hot Money Ratio 0.10%
Liquidity Ratio 38.44%
Profitability First Century Bank, National Association
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5-Year Return on Average Assets 1.54%
Net Income 4.78M
Net Interest Spread 4.61%
Operating Profit to Average Assets 2.24%
Overhead Efficiency Ratio 56.50%
Return on Assets 1.74%
Return on Equity 14.55%