The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (88 → 90), mostly because the capital cushion component improved by 16 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Georgia

Yes. First Century Bank, National Association is an FDIC-insured institution (FDIC certificate #57123). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 67.6% of deposits ($468.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Century Bank, National Association lists 2 offices in 2 cities across 2 states. Most locations:

• Commerce, GA (1)
• Hilton Head Island, SC (1)

All branch addresses and map

Legal name

First Century Bank, National Association

Former names

The National Bank of Gainesville

Type

National bank

FDIC certificate #

57123

RSSD ID

2997748

Primary regulator

OCC

Holding company

First Century Bcorp

Established

March 25, 2002

Headquarters

1731 N Elm St, Commerce, GA 30529

Website

www.myfirstcenturybank.com

Employees

76