First Century Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.52 percentage points in Q2 2026, from 23.86% to 20.34%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, First Century Bank, N.A. is 86th of 121 on return on assets, 1.23% as of Q2 2026, below the middle of the field. At 1.23%, First Century Bank, N.A.'s return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.84% |
| Equity capital to assets | 16.18% |
| Tangible equity to tangible assets | 16.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.42% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 7.61% |
| Net interest margin | 4.13% |
| Efficiency ratio | 69.69% |
| Yield on earning assets | 4.10% |
| Cost of funds | -0.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 20.34% |
| Core deposits to total deposits | 99.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.35% |
| Securities to assets | 61.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.00% | 0.93% | 3.91% | 1.65% | -0.02% |
| Q4 2023 | 18.17% | 1.03% | 4.19% | 1.17% | -0.01% |
| Q1 2024 | 11.34% | 2.87% | 9.36% | 0.37% | 0.00% |
| Q2 2024 | 18.49% | 2.00% | 5.84% | 0.05% | 47.83% |
| Q3 2024 | 19.49% | 1.04% | 4.92% | 0.03% | 0.00% |
| Q4 2024 | 19.06% | 1.29% | 4.50% | 0.06% | 0.01% |
| Q1 2025 | 13.10% | 3.07% | 6.75% | 0.04% | 0.00% |
| Q2 2025 | 13.42% | 0.94% | 2.91% | 0.00% | 0.07% |
| Q3 2025 | 17.43% | 1.25% | 3.02% | 0.00% | -0.05% |
| Q4 2025 | 16.66% | 1.13% | 3.27% | 0.00% | 0.00% |
| Q1 2026 | 12.42% | 1.74% | 4.61% | 0.00% | 0.00% |
| Q2 2026 | 16.84% | 1.23% | 4.13% | 0.00% | 0.00% |
First Century Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Century Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)