Side-by-side · Q2 2026 data
First Century Bank, National Association vs Savannah Postal Credit Union
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First Century Bank, National Association | Savannah Postal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 60 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 86 (stronger) | 43 |
| Funding & liquidity | 50 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 61 |
| Peer percentile | 95th | 22nd |
| Total assets | $831.6M | $24.6M |
| Deposits / shares | $693.2M | $20.7M |
| Capital ratio | 16.84% (stronger) | 15.05% |
| Problem loans | 0.00% (stronger) | 5.80% |
| Net charge-offs | 0.00% (stronger) | 0.84% |
| Return on assets | 1.64% (stronger) | 0.57% |
| Loans ÷ deposits | 20.3% (stronger) | 60.9% |
| Uninsured deposits | 67.6% | 6.2% (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 60). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank, National Association leads on 6 and Savannah Postal Credit Union on 1. 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.