Side-by-side · Q2 2026 data
Magnolia State Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Magnolia State Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 87 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 99 (stronger) | 86 |
| Funding & liquidity | 85 (stronger) | 50 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $198.7M | $831.6M |
| Deposits / shares | $167.2M | $693.2M |
| Capital ratio | 15.65% | 16.84% (stronger) |
| Problem loans | 1.21% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.98% (stronger) | 1.64% |
| Loans ÷ deposits | 64.2% | 20.3% (stronger) |
| Uninsured deposits | 25.0% (stronger) | 67.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
First Century Bank, National Association has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Magnolia State 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.