Side-by-side · Q2 2026 data
First Century Bank, National Association vs Classic City Bank
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Century Bank, National Association | Classic City Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 100 | 100 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 50 (stronger) | 48 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 95th | 77th |
| Total assets | $831.6M | $314.3M |
| Deposits / shares | $693.2M | $277.8M |
| Capital ratio | 16.84% (stronger) | 11.04% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.64% | 2.11% (stronger) |
| Loans ÷ deposits | 20.3% (stronger) | 72.5% |
| Uninsured deposits | 67.6% | 50.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Century Bank, National Association has the higher TellerScore (90 vs 80). On the 5 directional measures above (where higher or lower is clearly better), First Century Bank, National Association leads on 3 and Classic City Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.