BlastPoint's Banking Scorecard

First Century Bank, National Association

$100M-$1B Specialty: Other GA FDIC cert 57123

Commerce, GA

2 branches across GA · SC

2664 banks in the $100M-$1B peer group nationally 99 in GA

First Century Bank, National Association has 6 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 6.6% in tier
+ Revenue Diversifier: Top 25.5% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.80% above tier average
+ Efficiency Ratio 9.07% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 44.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$862.4M +22.1% YoY -12.3% QoQ	+$476.3M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 5.2% in tier
Total Loans ?	$166.2M +185.7% YoY -36.6% QoQ	-$89.5M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$698.8M +18.4% YoY -17.4% QoQ	+$370.8M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 6.9% in tier
Return on Assets ?	2.07% -34.1% YoY +35.3% QoQ	+0.80%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 11.1% in tier
Net Interest Margin ?	5.43% -18.9% YoY +44.0% QoQ	+1.50%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 3.4% in tier
Efficiency Ratio ?	56.22% +21.4% YoY -7.4% QoQ	-9.07%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	23.78% +141.2% YoY -23.3% QoQ	-52.86%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 0.9% in tier
Non-Interest-Bearing Deposit Share ?	74.95% -9.6% YoY +29.8% QoQ	+52.93%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 0.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.42% -5.2% YoY -25.5% QoQ	-3.41%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.24% -25.4% YoY -71.6% QoQ	-0.04%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 9.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth

#19 of 272 • Top 6.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 74.95%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.43%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Revenue Diversifier

growth

#171 of 666 • Top 25.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.07%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk

#57 of 126 • Bottom 44.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 56.22%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (9 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 74.95%

Peer Median: 22.02%

#7 of 2664 Top 0.2% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 23.78%

Peer Median: 76.64%

#26 of 2664 Top 0.9% in $100M-$1B

Net Interest Margin

profitability

Value: 5.43%

Peer Median: 3.93%

#92 of 2664 Top 3.4% in $100M-$1B

140

Total Assets

size

Value: $862.36M

Peer Median: $386.08M

#140 of 2664 Top 5.2% in $100M-$1B

184

Total Deposits

size

Value: $698.77M

Peer Median: $327.97M

#184 of 2664 Top 6.9% in $100M-$1B

261

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#261 of 2664 Top 9.8% in $100M-$1B

297

Return on Assets

profitability

Value: 2.07%

Peer Median: 1.27%

#297 of 2664 Top 11.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available