Side-by-side · Q2 2026 data
First Century Bank vs Macon Bank and Trust Company
Metric by metric
| Measure | First Century Bank | Macon Bank and Trust Company |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 44 | 49 (stronger) |
| Loan quality | 98 (stronger) | 97 |
| Earnings | 88 (stronger) | 65 |
| Funding & liquidity | 55 | 74 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 53rd |
| Total assets | $809.8M | $820.5M |
| Deposits / shares | $722.3M | $751.5M |
| Capital ratio | 9.44% | 9.91% (stronger) |
| Problem loans | 0.07% (stronger) | 0.08% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.69% (stronger) | 1.13% |
| Loans ÷ deposits | 96.9% | 67.8% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 31.4% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Century Bank leads on 4 and Macon Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.