FIRST CENTURY BANK

TAZEWELL, TN | Medium | Est. Oct. 10, 1899, midnight | FDIC #1700 | RSSD #999935 | FDIC
Latest Report: 2025-12-31

FIRST CENTURY BANK is amn medium FDIC-insured commercial bank headquartered in TAZEWELL, TN, established in Oct. 10, 1899, midnight. As of 2025-12-31, the bank reported total assets of $761M and total deposits of $682M. Profitability stands at 1.19% ROA and 13.24% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 12.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.37%. FDIC Certificate #1700.

Assets

$761M

Deposits

$682M

Loans

$670M

Equity

$70M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 13.24%
Net Interest Margin (NIM) 4.42%
Yield on Assets 6.77%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.37%
NPA Ratio 0.04%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 12.08%
Tier 1 Capital 12.08%
Total Capital Ratio 13.33%
Leverage Ratio 9.03%
Loan-to-Deposit 98.22%

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