First Century Bank, National Association
Commerce, GA
IDRSSD: 2997748
Total Assets
$739.65M
Latest filing
Total Deposits
$608.41M
Latest filing
Net Interest Margin
3.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Century Bank, National Association
1731 N Elm St
Commerce, GA 30529
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/25/2002FDIC Certificate 358075
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Century Bank, National Association (Main) | 1731 N Elm St | Commerce, GA |
| HILTON HEAD BRANCH | 2 Park Lane | Hilton Head Island, SC |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/25/2002 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30529 |
| State and County Number | 13157 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Jefferson, GA |
Operational Info
| Number of Employees | 72 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/25/2002 |
| Primary Insurance Agency | DIF |
| Website | www.myfirstcenturybank.com |
| Data Updated | 11/14/2025 |
| CERT | 57123 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $739.65M |
| Total Deposits | $608.41M |
| Total Liabilities | $611.91M |
| Total Equity Capital | $127.75M |
| Net Income | $2.31M |
| Net Loans and Leases | $115.33M |
| Assets Per Employee ($Millions) | $10.42M |
| Bank Premises and Fixed Assets | $3.33M |
| Cash and Balances due from Depository Institutions | $177.83M |
| Deposits Held in Domestic Offices | $608.41M |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 8.36% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 66.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.271% |
| Earning Assets to total Assets | 97.72% |
Income and Expense
| Total Interest Income | $5.59M |
| Total Noninterest Income | $2.06M |
| Total Interest Expense | $270.00k |
| Total Noninterest Expense | $4.95M |
| Net Interest Income | $5.32M |
| Pre-tax Net Operating Income | $2.38M |
| Provision for Credit Losses | $46.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.50M |
| Total Liabilities and Capital | $739.65M |
Securities
| Securities | $431.62M |
| Available-for-sale debt securities | $427.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $4.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Century Bank, National Association?
$739.65M as of the latest filing.
How much are First Century Bank, National Association's total deposits?
$608.41M in total deposits.
Where is First Century Bank, National Association located?
Commerce, GA.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
2.
When was it established?
03/25/2002.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$115.33M (latest filing).
What is the total interest income (latest filing)?
$5.59M.