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First Century Bank, National Association
Commerce, GA · FDIC Certificate #57123 · Chartered 03/2
Total assets
$831.62M
Total deposits
$693.17M
Total equity
$134.54M
Net loans
$140.42M
Branches (offices)
2
Net income (YTD)
$7.33M
Rank: #1,216 of 4,213 U.S. banks by assets · #16 of 123 in Georgia. Assets changed 19.5% and deposits 15.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 11.06% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 16.18% |
| Tier 1 leverage ratio | 16.84% |
| Uninsured deposits (share of deposits) | 67.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 20.3% |
| Real estate loans (share of loans) | 6.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $9.42M | 6.7% | |
| Commercial & industrial | $56.76M | 40.4% | |
| Consumer / individual | $74.03M | 52.7% | |
| Construction & development | $6.16M | 4.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $381.90M | $312.41M | $4.18M | $67.51M |
| Jun 2023 | $495.69M | $418.06M | $8.04M | $70.83M |
| Jun 2024 | $433.57M | $348.27M | $7.79M | $79.50M |
| Jun 2025 | $696.17M | $598.26M | $7.13M | $93.52M |
| Jun 2026 | $831.62M | $693.17M | $7.33M | $134.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $653.02M | 1 |
| South Carolina | $40.15M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $693.17M.
Similar-sized banks
Arthur State Bank ($831.91M) · Quail Creek Bank ($831.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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