🏦Bank Scorer

FIRST CENTURY BANK, NATIONAL ASSOCIATION

COMMERCE, GA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 2002FDIC #57,123
Outstanding Same

Current rating · Exam: May 2023

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.07%

Institution Profile

FDIC BankFind

Address

1731 N Elm St, COMMERCE, GA

County

Jackson County

Established

March 25, 2002

Total Assets

$862M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 22, 2023

Exam Type

Strategic Plan

Regulator

OCC (Office of the Comptroller of the Currency)
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$862M

Total Deposits

$699M

Net Loans

$166M

Net Income

$5M

ROA

2.07%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.55%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.07%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$598M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Improving

Based on last 3 exams

Exam DateRatingExam Type
May 2023OutstandingStrategic Plan
Apr 2020OutstandingStrategic Plan
Apr 2016SatisfactorySmall Bank

1 previous rating locked — back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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