Side-by-side · Q2 2026 data
Northeast Georgia Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Northeast Georgia Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 93 (stronger) | 90 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 88 (stronger) | 50 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 95th |
| Total assets | $650.6M | $831.6M |
| Deposits / shares | $562.9M | $693.2M |
| Capital ratio | 13.41% | 16.84% (stronger) |
| Problem loans | 0.01% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 2.59% (stronger) | 1.64% |
| Loans ÷ deposits | 59.1% | 20.3% (stronger) |
| Uninsured deposits | 26.3% (stronger) | 67.6% |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Georgia Bank has the higher TellerScore (93 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Northeast Georgia 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.
Where both have branches
- Commerce, GA