Side-by-side · Q2 2026 data
Citizens Trust Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Citizens Trust Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 46 | 100 (stronger) |
| Earnings | 83 | 86 (stronger) |
| Funding & liquidity | 63 (stronger) | 50 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 47th | 95th |
| Total assets | $790.3M | $831.6M |
| Deposits / shares | $678.1M | $693.2M |
| Capital ratio | 13.24% | 16.84% (stronger) |
| Problem loans | 1.63% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.58% | 1.64% (stronger) |
| Loans ÷ deposits | 56.8% | 20.3% (stronger) |
| Uninsured deposits | 48.1% (stronger) | 67.6% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Century Bank, National Association has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Trust Bank leads on 1 and First Century Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.