BlastPoint's Banking Scorecard

First Century Bank, National Association

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

Commerce, GA

2 branches across GA · SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +15.9% year over year ($693.2M on the books).
Delinquency rate 0.00%.
Return on assets 1.64%.
Efficiency ratio 61.96% vs a 64.48% peer average.
Loan-to-deposit ratio 20.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (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 25.5% in tier
+ Revenue Diversifier: Top 39.0% in tier
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.32% above tier average
+ Efficiency Ratio 2.52% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 44.9% in tier

Get updates when First Century Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$831.6M +19.5% YoY -3.6% QoQ	+$445.1M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Top 6.5% in tier
Total Loans ?	$140.4M +49.8% YoY -15.5% QoQ	-$117.9M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$693.2M +15.9% YoY -0.8% QoQ	+$366.4M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Top 7.3% in tier
Return on Assets ?	1.64% -19.9% YoY -20.8% QoQ	+0.32%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.74% -1.8% YoY -12.7% QoQ	+0.76%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 13.0% in tier
Efficiency Ratio ?	61.96% +13.4% YoY +10.2% QoQ	-2.52%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	20.26% +29.3% YoY -14.8% QoQ	-57.69%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 0.8% in tier
Non-Interest-Bearing Deposit Share ?	74.31% -3.4% YoY -0.8% QoQ	+52.28%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 0.3% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.84% +25.5% YoY +35.7% QoQ	+0.94%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.50% -19.7% YoY +107.4% QoQ	-0.07%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	Top 9.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	74.3% -2.6pp YoY -0.6pp QoQ	+52.2pp	22.1%	26.2%	22.2%	100%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	40.4% -6.8pp YoY +8.2pp QoQ	+28.9pp	11.6%	9.7%	12.5%	98%
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	0.1% -0.6pp YoY 0.0pp QoQ	-32.5pp	32.6%	31.7%	31.3%	0%
Consumer	52.7% +10.4pp YoY -9.0pp QoQ	+48.6pp	4.1%	4.8%	5.0%	100%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	16.8% +3.4pp YoY +4.4pp QoQ	+4.7pp	12.2%	14.0%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	76 +4 (+5.6%) YoY +3 (+4.1%) QoQ	+17	58	98	482	75%
Assets per Employee ($)	$10.9M +13.2% YoY -7.4% QoQ	+$3.4M	$7.5M	$7.5M	$8.8M	90%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	38.10x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	11.1% -4.9pp YoY -3.5pp QoQ	-1.1pp	12.2%	13.6%	11.6%	43%
Cost of Funds (YTD)	0.1% -0.1pp YoY -0.1pp QoQ	-1.6pp	1.7%	1.6%	1.7%	0%
Net Income ($, YTD)	$7.3M +2.8% YoY — QoQ	+$4.8M	$2.6M	$6.6M	$40.4M	96%

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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

#72 of 278 • Top 25.5% 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: 74.31%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.74%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#259 of 661 • Top 39.0% 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: 0.50%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.64%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Cost Spiral

risk

#63 of 138 • Bottom 44.9% 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: 61.96%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 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 2643 peers in $100M-$1B

Top Strengths (9 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 74.31%

Peer Median: 22.03%

#9 of 2643 Top 0.3% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 20.26%

Peer Median: 77.95%

#23 of 2643 Top 0.8% in $100M-$1B

174

Total Assets

size

Value: $831.62M

Peer Median: $386.57M

#174 of 2643 Top 6.5% in $100M-$1B

193

Total Deposits

size

Value: $693.17M

Peer Median: $326.73M

#193 of 2643 Top 7.3% in $100M-$1B

257

Non-Interest Income / Assets

revenue_mix

Value: 0.50%

Peer Median: 0.57%

#257 of 2643 Top 9.7% in $100M-$1B

345

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.99%

#345 of 2643 Top 13.0% in $100M-$1B

627

Tier 1 Capital Ratio

capital

Value: 16.84%

Peer Median: 15.91%

#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available