# FIRST CENTURY BANK
TAZEWELL, TN · FDIC certificate 1700 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $809.8M | |
| Deposits | $722.3M | |
| Loans and leases | $707.5M | |
| Total equity | $74.4M | |
| Loans / deposits | 96.89% (p85 of band) | 82.04% |
| Liquid assets / assets | 9.98% (p4 of band) | |
| Uninsured deposits / deposits | 22.74% (p39 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.62% (p30 of band) | |
| FHLB advances / assets | 0.62% | |
| Tier 1 leverage | 9.44% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -0.02% (p96 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 1.69% (p75 of band) | 1.28% |
| Net interest margin | 4.33% (p74 of band) | 3.91% |
| Efficiency ratio | 47.70% (p14 of band) | |
| Noncurrent loans | 0.07% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 1452.30% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 123.10% (p93 of band) | |
| Auto loans | $441,000 (0.06% of loans; DQ 3.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 4 | capital falling, losing money |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 0 |  | charge-offs p90, reserve under noncurrent, capital falling, losing money |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 1 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2015-09 | 3 | losing money, expense ratio p90 |  |
| 2015-12 | 4 | construction >100% equity |  |
| 2016-03 | 2 |  | losing money, expense ratio p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | liquid assets <10% |  |
| 2017-03 | 2 |  | liquid assets <10% |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | liquid assets <10% |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | liquid assets <10% |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | construction >100% equity, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | construction >100% equity | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2023-12 | 4 | liquid assets <10% |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 2 |  | liquid assets <10% |
| 2024-09 | 2 | liquid assets <10% | capital falling |
| 2024-12 | 1 |  | liquid assets <10% |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | liquid assets <10% |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-25 [United Way wraps ’25 + First Century in Farragut + Food City promotes 2 ++ - Knox TN Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc2hkVjhJeWliYXVYTkdVWmRVSVo1TTBWM2YycUZDSFV3ODRIRkk3WVh1YW9fbHFHOE1SX016dmhoVV8yUjdVUXg5S3RtcENEVUZ0SVZqcmxJRUE1VzVWOTVRWUx2X2QxSng3MG5McXBiYWNsVzgzbmRkVm9wa05Cd0kzb0xOeXI4VGlETW5Kb09xclJx?oc=5) · Knox TN Today
- 2026-04-08 [farragutpress - farragutpress](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9pN3NuaDRBdmhQMjRyUHRVTGlma2gxX2c2eTRmdVUwYThyZWNNTDhEMGJtODEtRW5HZkpvRl9Yd3lsSW1tNTBSMExjcmhJakdJZWF1Nmh3VkdOdVhaQkVVaUpn?oc=5) · farragutpress
- 2019-02-15 [First Century Bank Brings Community (and Maybe 21st Century) Banking to Downtown Knoxville - Inside of Knoxville](https://news.google.com/rss/articles/CBMixgFBVV95cUxNa2pwY01zWVo5eFd2NDJhUHJZMmtiNzlZV25vdFhYd0NCMnN6dXJDcXRtRWRhYXZ2emwxRnZIWF8tak05cUw2eHg1ZV8zajNDcHJ5dE1ZdjVxUXRqSmMwdFB5YnRYcENySTZreEtvcWt0MktKOFRVcHo3SHJ4bEFQOWxMcUFzTnZQZm0yZUkzbC1HWk94UVJqbFdBLVgyZ2lINm5LSVViWm5IR3ZLTlpiblRGSGtzRGltUkIwU2V5amwzX09UeWc?oc=5) · Inside of Knoxville
- 2021-02-22 [First Century Bank (TN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxQMWxweHNzMktCVjZvbHh2WnVvOTBfb1lPdG5Vc0JTMkdZdUh4R3lFNGp6enU3UVVPaXg0dlJ2ckFOdndtbFJpclZ4dEJpT1QzcTA4MlpYVWJoRjduRnRreTFjQ25fekc1TzBQLWxISm00OGRicjlQd2tmUzAzeTcyakQ5RHI?oc=5) · SmartAsset
- 2025-08-11 [Local bank raises $35M as dealmaking among lenders heats up - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMTVXNlREZzFiWkFhTzhHSENxNGxuMENRdl9XMHVpcUt3QXZBT3lra3hpZmZ1dWpYREdEa01RcU9GaXZEODFpQ3hfWjh1OFhqUW5vVm1kclJkRk9IUHFBSlFVXzRDTjA1TlFfMHBVN3hZNFotRmYySklzeVc0SjJhTGFhVTh5ZFd3OFJaMnR5XzlxcE1BTF96Q3Naa3E?oc=5) · The Business Journals
- 2015-03-27 [First Century Bank opens Blount County branch - The Daily Times](https://news.google.com/rss/articles/CBMizwFBVV95cUxQa2gyaVUzb0dxVG5aaks1eno2THFUa3YzeGo0RDRLTExySjJMbDM3VE9tc2JicEtMWjFfRDBBWnJmeDBZbzhNdXF3VGU2bHdrc19PdmVwdzRHSGtUMG95ZHJZMzFzT2d1emJwZFFGRGlDMEtBZXF6dElzMVk3RXItcFNlbzh2R3dfV1pRTTJidGlqbjBxczQxYjdHRlBrbUVnYkFPMXNvS2tzRC1yd0tpOFRmRlR1RlhiUW9YMkhRaXhYcTJoUGZzRldwY01kQlE?oc=5) · The Daily Times
- 2018-09-21 [Eleanor Yoakum - TN.gov](https://news.google.com/rss/articles/CBMimwFBVV95cUxOajBVZUVvVzNkQkdEblZMa1lZNkFxWl9STlBnYUMxMU9wcjZ3MTJEU2N1NWtzQm9aS0tVb2ZyMFRiQnBmM2NxRVlTRkoxZDMtXzRLVTZzNnAxYi1XaF9JT3JZUHctUDJwYkZnLV9ybm1qaGdxT2pVU1RYTnp2bTNIYi1pcmlTbzVKU1JvWHE0WXJQU3RGZTVtZllyVQ?oc=5) · TN.gov
- 2025-03-24 [See downtown office buildings in Knoxville - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMivwFBVV95cUxQWjFlV1hYUWtZOWt5TXdQQ3dFRWJvdUZJRmRCVTVUZGt0d1d5SmZOdFdMQlZGY3FoLWVhZXRCdjliRm9ZX1A3UmpWb2JKcUN4dXBseXBEbHh1TFp4WmpmVFNvSEdDenNUWGtlbUFTcVpMYlpuOUh3ZUEwRFA1ZmJBcl9FRGY4VnFKYmdRZTJaUDNHSTVXdWcxUGUwM183UzQwNmZKWVhRQ0dmbk1sS2o3eWVhbFpnSWs1ZV8wcFVPOA?oc=5) · Knoxville News Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1700 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "1700", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide