BlastPoint's Banking Scorecard
First Century Bank, National Association
Community
Specialty: Other
GA
FDIC cert 57123
Commerce, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
First Century Bank, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 52.07% below tier
- + Non-Interest-Bearing Deposit Share 36.71% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 67% in Community
- - Margin Compression: Bottom 67% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$983.7M
+43.7% YoY
+33.0% QoQ
|
-$407.7M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$262.2M
+370.5% YoY
+127.4% QoQ
|
-$713.2M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$846.2M
+42.3% YoY
+39.1% QoQ
|
-$318.4M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.53%
-22.4% YoY
-14.0% QoQ
|
+0.37% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.77%
-42.8% YoY
-10.1% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
60.71%
+17.9% YoY
+5.1% QoQ
|
-1.92% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
30.99%
+230.7% YoY
+63.5% QoQ
|
-52.07% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
57.76%
-29.5% YoY
-23.3% QoQ
|
+36.71% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.85%
-9.9% YoY
-1.7% QoQ
|
+0.11% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
30.99%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
57.76%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Cost Spiral
risk
#27 of 40 · Bottom 67% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
60.71%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Margin Compression
decline
#81 of 120 · Bottom 67% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.53%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.76% · Tier avg: 21.05%
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.99% · Tier avg: 83.06%
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
54
54th pctile
Efficiency Ratio
Current: 60.71% · Tier avg: 62.63%
50
50th pctile
Total Deposits
Current: $846.2M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $983.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
3
3th pctile
Total Loans
Current: $262.2M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $262.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
49
49th pctile
Total Assets
Current: $983.7M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $846.2M · Tier avg: $1.2B
54
54th pctile
Efficiency Ratio
Current: 60.71% · Tier avg: 62.63%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
80
80th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.74%
99
99th pctile
Loan-to-Deposit Ratio
Current: 30.99% · Tier avg: 83.06%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.76% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%