Side-by-side · Q2 2026 data
First Century Bank, National Association vs PromiseOne Bank
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Century Bank, National Association | PromiseOne Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 86 (stronger) | 81 |
| Funding & liquidity | 50 | 65 (stronger) |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 95th | 37th |
| Total assets | $831.6M | $812.2M |
| Deposits / shares | $693.2M | $732.2M |
| Capital ratio | 16.84% (stronger) | 10.12% |
| Problem loans | 0.00% (stronger) | 0.81% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.64% (stronger) | 1.52% |
| Loans ÷ deposits | 20.3% (stronger) | 83.7% |
| Uninsured deposits | 67.6% | 25.7% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Century Bank, National Association has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank, National Association leads on 6 and PromiseOne Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.