Side-by-side · Q2 2026 data
Carver State Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Carver State Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 60 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 94th | 95th |
| Total assets | $111.2M | $831.6M |
| Deposits / shares | $93.1M | $693.2M |
| Capital ratio | 14.99% | 16.84% (stronger) |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | 1.21% | 0.00% (stronger) |
| Return on assets | 1.00% | 1.64% (stronger) |
| Loans ÷ deposits | 50.0% | 20.3% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 67.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Century Bank, National Association has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Carver State Bank leads on 1 and First Century Bank, National Association on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.