First Century Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Century Bank, N.A. is an FDIC-insured commercial bank headquartered in Commerce, GA, established in 2002 (FDIC certificate 57123), and it is supervised by the OCC. At Q2 2026 it reported total assets of $831.6M, up 19.5% from Q2 2025, the 16th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57123
- Headquarters
- Commerce, GA
- Established
- 2002
- Total assets, Q2 2026
- $831.6M
- Assets vs Q2 2025
- +19.5%
- Tier 1 leverage ratio, Q2 2026
- 16.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061120084
- Latest call report
- Q2 2026, FFIEC 051 · First Century Bank, N.A. call report
- Holding company
- FIRST CENTURY BANCORP.
- Asset rank in state
- 16th of 121 in Georgia
First Century Bank, N.A. carries far more capital than most banks of its size. The Commerce, Georgia bank had $832 million in assets at June 30, 2026, up 19.5% from a year earlier. It funds 16.84% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 6% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.5 million, 53% above the same quarter a year earlier. Over the same year, loans grew 49.7% and deposits grew 15.9%. Profitability lags: it returns 7.6% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, First Century Bank, N.A. reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First Century Bank, N.A. ranks as the 16th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.6% to $831.6M, loans fell 15.4% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by other consumer loans, at 52.5% of total loans, followed by commercial and industrial loans at 40.2%. Its 2 offices in the FDIC Summary of Deposits are in Commerce, GA and Hilton Head Island, SC; its Commerce office books 94% of its branch deposits. Judged on its Q2 2026 call report, First Century Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1731 N Elm St, Commerce, GA 30529
- County
- Jackson
- Metro Area
- Jefferson, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 25, 2002
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $693.2M
- Allowance for credit losses
- $589K
- Net charge-offs (YTD)
- $0
- Average total assets
- $829.0M
- Average total loans
- $154.1M
- Average interest-bearing deposits
- $179.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 25, 2002
- FDIC Cert
- 57123
- Fed RSSD
- 2997748
- SEC CIK
- 1124676 → filed by FIRST CENTURY BANCORP.
- Website
- www.myfirstcenturybank.com →
- Parent Holding Company
- FIRST CENTURY BANCORP. (RSSD 2997739)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Century Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Century Bank, N.A.'s total assets moved between a low of $415.6M (Q3 2024) and a high of $983.7M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$831.6M total assets against $696.2M; $697.1M total liabilities against $602.6M.
$140.4M net loans and leases against $93.7M; $693.2M total deposits against $598.3M.
$509.2M securities against $416.3M; $158.7M cash and balances due against $172.4M.
$8.3M total interest income against $5.3M; -$60K total interest expense against $291K.
$8.4M net interest income against $5.0M.
$2.1M total noninterest income against $2.1M; $7.3M total noninterest expense against $5.0M.
$6K provision for credit losses against $16K.
$2.5M net income against $1.7M.
1.23% return on assets against 0.94%; 4.13% net interest margin against 2.91%.
16.84% tier 1 leverage ratio against 13.42%.
Inside the full First Century Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Century Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,208 of 4,196, for total assets; its furthest is 3,377 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q2 2025) to 3.07% (Q1 2025) and its net interest margin ran from 2.91% (Q2 2025) to 6.75% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.84% | 1.23% | 0.00% | 0.00% | 4.13% |
| Q1 2026 | 12.42% | 1.74% | 0.00% | 0.00% | 4.61% |
| Q4 2025 | 16.66% | 1.13% | 0.00% | 0.00% | 3.27% |
| Q3 2025 | 17.43% | 1.25% | 0.00% | 0.00% | 3.02% |
| Q2 2025 | 13.42% | 0.94% | 0.00% | 0.00% | 2.91% |
| Q1 2025 | 13.10% | 3.07% | 0.04% | 0.02% | 6.75% |
| Q4 2024 | 19.06% | 1.29% | 0.06% | 0.04% | 4.50% |
| Q3 2024 | 19.49% | 1.04% | 0.03% | 0.02% | 4.92% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Century Bank, N.A. (main office) | Commerce , GA | 30529 | $653.0M |
| Hilton Head Branch | Hilton Head Island , SC | 29928 | $40.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 10, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 2019 | Structure Change | Acquired First Covenant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 18, 2004, OCC: Formal Agreement: The National Bank of Gainesville
- Period: Most recent institution action August 18, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in GA, rank 39 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $105K approved, $105K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Century Bank, N.A.
What are First Century Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Century Bank, N.A. reported total assets of $831.6 million in its FFIEC call report.
Where is First Century Bank, N.A. headquartered?
It is headquartered in Commerce, GA, United States.
When was First Century Bank, N.A. founded?
It was established in 2002, per the FDIC institution directory.
Is First Century Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Century Bank, N.A.?
First Century Bank, N.A.'s primary federal regulator is the OCC.
How many branches does First Century Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Century Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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