First Century Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Consumer: 9.02 percentage points lower than in Q1 2026, at 52.50%. First Century Bank, N.A. has the 2nd lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 20.34% as of Q2 2026. First Century Bank, N.A.'s loan-to-deposit ratio of 20.34% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 60.50 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $141.0M |
| Net loans and leases | $140.4M |
| Loans held for sale | $0 |
| Loans to total assets | 16.96% |
| Loan-to-deposit ratio | 20.34% |
| Net loans to equity capital | 1.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 40.24% |
| Consumer | 52.50% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.60% |
| Construction concentration (Tier 1 capital + allowance) | 4.40% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 3.95% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.6M | $333.5M | 8.92% | 63.10% | 0.78% |
| Q4 2023 | $34.4M | $529.1M | 6.26% | 70.40% | 0.47% |
| Q1 2024 | $48.2M | $397.1M | 4.39% | 43.98% | 39.37% |
| Q2 2024 | $34.2M | $348.3M | 6.05% | 79.14% | 0.42% |
| Q3 2024 | $47.1M | $324.4M | 4.29% | 73.60% | 0.27% |
| Q4 2024 | $56.1M | $594.7M | 3.52% | 75.59% | 0.22% |
| Q1 2025 | $58.6M | $589.9M | 5.83% | 70.88% | 6.44% |
| Q2 2025 | $94.2M | $598.3M | 3.57% | 46.97% | 42.08% |
| Q3 2025 | $115.8M | $608.4M | 2.86% | 42.89% | 46.76% |
| Q4 2025 | $262.8M | $846.2M | 1.24% | 21.24% | 74.29% |
| Q1 2026 | $166.8M | $698.8M | 1.92% | 32.09% | 61.51% |
| Q2 2026 | $141.0M | $693.2M | 2.23% | 40.24% | 52.50% |
First Century Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Century Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Century Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57123) · FFIEC NIC profile (RSSD 2997748)