Side-by-side · Q2 2026 data
First National Community Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First National Community Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 96 (stronger) | 86 |
| Funding & liquidity | 64 (stronger) | 50 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 95th |
| Total assets | $754.7M | $831.6M |
| Deposits / shares | $653.2M | $693.2M |
| Capital ratio | 12.92% | 16.84% (stronger) |
| Problem loans | 0.43% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.90% (stronger) | 1.64% |
| Loans ÷ deposits | 81.6% | 20.3% (stronger) |
| Uninsured deposits | 28.2% (stronger) | 67.6% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
First Century Bank, National Association has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 3 and First Century Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.