BlastPoint's Banking Scorecard
First Century Bank
Community
Specialty: Commercial
TN
FDIC cert 1700
Tazewell, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First Century Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$761.3M
+7.1% YoY
-1.7% QoQ
|
-$630.1M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$662.8M
+9.0% YoY
+1.7% QoQ
|
-$312.7M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$682.0M
+6.1% YoY
-2.3% QoQ
|
-$482.6M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.37%
+0.2% YoY
-4.0% QoQ
|
+0.21% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.02%
+6.7% YoY
+2.7% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
53.86%
-1.5% YoY
+3.9% QoQ
|
-8.77% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.04%
+73.8% YoY
+86.3% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
97.19%
+2.7% YoY
+4.2% QoQ
|
+14.12% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.45%
-5.6% YoY
-3.6% QoQ
|
-2.59% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.04%
+77.0% YoY
+92.8% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
12.08%
+4.9% YoY
+0.8% QoQ
|
+1.83% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.43%
-4.5% YoY
+34.5% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#113 of 371 · Top 30% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#26 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#231 of 642 · Bottom 36% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
75
75th pctile
Efficiency Ratio
Current: 53.86% · Tier avg: 62.63%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
46
46th pctile
Total Loans
Current: $662.8M · Tier avg: $975.5M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.45% · Tier avg: 21.05%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
36
36th pctile
Total Deposits
Current: $682.0M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $761.3M · Tier avg: $1.4B
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.19% · Tier avg: 83.06%
Top Weaknesses
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.19% · Tier avg: 83.06%
32
32th pctile
Total Assets
Current: $761.3M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $682.0M · Tier avg: $1.2B
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.45% · Tier avg: 21.05%
46
46th pctile
Total Loans
Current: $662.8M · Tier avg: $975.5M
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
75
75th pctile
Efficiency Ratio
Current: 53.86% · Tier avg: 62.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%