A
First Century Bank, National Association
Rating Date
April 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
19.06
Return On
Assets
1.96%
Total
Assets
684.43M
Capital
83.96M
Total
Deposits
594.67M
Net
Income
10.42M
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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 7.80
Profitability Index 9.70
Stability Index 7.10
Company Info First Century Bank, National Association
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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 12.63%
5-Year Asset Growth 9.28%
5-Year Charge-Offs to Average Loans 4.99%
Charge-Offs to Average Loans 6.09%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.04%
Non-Performing Loans to Loans 0.06%
Balance Sheet First Century Bank, National Association
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Total Assets 684.43M
Total Deposits 594.67M
Capital and Reserves First Century Bank, National Association
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Capital 83.96M
Leverage Ratio 19.06
Loan Loss Reserves to Loans 0.70%
Risk-Based Capital Ratio --
Liquidity First Century Bank, National Association
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Hot Money Ratio 0.48%
Liquidity Ratio 99.60%
Profitability First Century Bank, National Association
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5-Year Return on Average Assets 1.72%
Net Income 10.42M
Net Interest Spread 6.58%
Operating Profit to Average Assets 2.64%
Overhead Efficiency Ratio 51.95%
Return on Assets 1.96%
Return on Equity 12.87%