A
First Century Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
17.43
Return On
Assets
1.75%
Total
Assets
739.65M
Capital
127.75M
Total
Deposits
608.41M
Net
Income
9.44M
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Weiss Ratings First Century Bank, National Association
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Rating A
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 6.60
Profitability Index 9.60
Stability Index 8.30
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 77.99%
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 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet First Century Bank, National Association
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Total Assets 739.65M
Total Deposits 608.41M
Capital and Reserves First Century Bank, National Association
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Capital 127.75M
Leverage Ratio 17.43
Loan Loss Reserves to Loans 0.45%
Risk-Based Capital Ratio --
Liquidity First Century Bank, National Association
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Hot Money Ratio 0.44%
Liquidity Ratio 54.39%
Profitability First Century Bank, National Association
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5-Year Return on Average Assets 1.73%
Net Income 9.44M
Net Interest Spread 4.19%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 58.21%
Return on Assets 1.75%
Return on Equity 13.02%