# FIRST CENTURY BANK NA
COMMERCE, GA · FDIC certificate 57123 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $831.6M | |
| Deposits | $693.2M | |
| Loans and leases | $141.0M | |
| Total equity | $134.5M | |
| Loans / deposits | 20.26% (p1 of band) | 82.04% |
| Liquid assets / assets | 80.32% (p99 of band) | |
| Uninsured deposits / deposits | 67.55% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.84% (p94 of band) | 10.81% |
| Unrealized securities loss / equity | -5.48% (p60 of band) | -8.10% |
| AOCI / equity | -2.54% (p5 of band) | |
| ROA (annualized) | 1.64% (p72 of band) | 1.28% |
| Net interest margin | 4.74% (p89 of band) | 3.91% |
| Efficiency ratio | 61.96% (p52 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 7% | |
| Construction % of loans | 4.58% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.9% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 1 |  | losing money, expense ratio p90 |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 2 | uninsured deposits leaving | deposits shrinking |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 | construction >100% equity | uninsured deposits leaving |
| 2013-06 | 3 | expense ratio p90 | capital falling |
| 2013-09 | 4 | losing money |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | noncurrent p90 |  |
| 2014-06 | 5 | capital falling | noncurrent p90 |
| 2014-09 | 4 |  | capital falling |
| 2014-12 | 3 |  | losing money |
| 2015-03 | 1 |  | reserve under noncurrent, expense ratio p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | NIM <2.5% | construction >100% equity |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | NIM <2.5% |
| 2017-06 | 1 | charge-offs p90 | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2020-03 | 1 | charge-offs p90 | brokered >10%, wholesale funding >15% |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 4 | brokered >10%, wholesale funding >15%, deposits shrinking |  |
| 2021-03 | 2 |  | brokered >10%, wholesale funding >15% |
| 2021-06 | 3 | reserve under noncurrent |  |
| 2021-09 | 2 |  | deposits shrinking |
| 2021-12 | 3 | brokered >10%, wholesale funding >15% | reserve under noncurrent |
| 2022-03 | 2 | capital falling | brokered >10%, wholesale funding >15% |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2023-12 | 7 | uninsured deposits >50%, brokered >10%, wholesale funding >15% | noncurrent p90, uninsured deposits leaving |
| 2024-03 | 2 |  | charge-offs p90, reserve under noncurrent, uninsured deposits >50%, brokered >10%, wholesale funding >15% |
| 2024-06 | 3 | charge-offs p90 |  |
| 2024-09 | 2 | uninsured deposits >50% | deposits shrinking, assets shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | capital falling | charge-offs p90 |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2026-03 | 2 | capital falling | brokered >10%, wholesale funding >15% |
| 2026-06 | 1 |  | capital falling |

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

- 2022-05-02 [First Century Bancorp. has notified First Internet Bancorp of its Termination of the Merger Agreement - citybiz](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNT0h4VGk3N1FQdl9jdXBpSUZHSldlSjlfa2NhXzJlUDlJblBWTXhpQ01fWkZmMUM3eVVxTkRDcm1URVp4V0ltZGxVZEp2c1d6OVNsMDBwLVZkbjRTLUx1bWZyVkZpS2pUZkphcTVCWV85NXlkNVJCa1FUS1lmX0h0MkpaQUxNb0R4QkZlcjZHMzJSdGQ2Q3ZXUm5GaG9JdU03ZmNzaGowa1oza01qTVJhVlM1V3VZb3pmdXEtdXdRbUMwRHE4cTRHdFBTQVhibnNLUnI4dmFn?oc=5) · citybiz
- 2014-07-29 [First Century opens new bank in Beckley - register-herald.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQN1hPM0NuTkNMaHFveVJrSnBwZEM5R0dub1RWTG5QWDROa1puLXZqSFVFd3JOOGo3TWlia2oxdnRQd01aa1JyVExUZlgydHh3U2ZtZlBGVmJJcm9wMDJtY0ZsUkV0aVZzWXc4bHowVDBXNnVQdmtYUlhmZDQyUlFtS3pFUDV5dHZ1Um1yU3I5Y0tiVnlCSC1ZUldBTVdYUmh6NDVva3FfcWh6U0tQZmVaTVJpalNyMHc5U1Vqcnk3UU1VSzUxQnBxYzRNU1p5WFBxcG1N?oc=5) · register-herald.com
- 2021-09-02 [Scarlet™, a New Bank Account and Debit Mastercard®, Launches Exclusively at Walgreens, Promotes a Path to Financial Health, Earns Rewards on Purchases at Walgreens and Beyond - Business Wire](https://news.google.com/rss/articles/CBMiyAJBVV95cUxPbENzSTFRWGt6enE0a0xPSDcxM2Vtby1IalV6VXBJZ18xQVRlZ0tGcE9fOWsyd2hNQXlhd1FyV29ZdGxzd0pxc280ZWZkVGQ2Ui1sVnpRMTNxWmhhUEZBOU1KVDB0SUU1d1pnQV9MMHhGMnViTlpHajFzR0t6ZzBpVEtrYjl3S1ZUS2tWN1NmWWVtOElKUHdnWkpDS3Q5a0ZLZ1N5RTBJeE5zR0NkU1lnbEpBQ1EzVTV3VW9nV296a2xZdW9OMGwwYVRXTUp3T1NpN1YxWTJnSktzM0NNU1NVeU9XMS1rMVJaMVptWkNfTFJqSm5aS0NYWHl5S2NvMERSSEw1cWNhWUE1UGQ3YVl5cHhuajhSYzVRbFVFNXJJd2RfUUpiOGFmWUVONXlDd0laUWZKRmhEd09xTDVNRWhsSVZ4UjlBenVr?oc=5) · Business Wire
- 2021-11-30 [Numi Financial Skims Unauthorized Fees From Inmates' Accounts - Top Class Actions](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNc3BQZVFpaGJfblZrTVpIYS1vWFFLSGstYWFwbEVpWlA4T3I3bFNOSm9RdVRKbkd5NjJnZ0VqR0lPR1g1RHg2cFRrUnIzbE5SQVVTcWdrMU42dTZWQ0h4Y2E3cDZwVUFveTdUV3Jvb2RtOWFhbTFaWExqNjBpa18wdWJNTURNbzVjdGIzNklVM2ZObUhwWTJPMnlGbzVwUXJodVR3dkEtbVU2V3NTMWZhemhuZWhvSW5xaEpOSEdrWnU0V1BuS1lidHQ1RUpUVGFS?oc=5) · Top Class Actions
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-10-21 [Self Visa Review: A More Accessible Secured Credit Card - NerdWallet](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBfd3JEb0NHMmZZOF9ZY0Z5bTV5Q1lLcEpqSk9RY3E4RnpsZk11clA5UGxmWlVKRWp2dk5ZMVJpcXNsUndibEFqQXUzZ25keTFZckYxaXZ6dEx6c1NiSml3MnlB?oc=5) · NerdWallet
- 2025-11-06 [8 Best Prepaid Cards With Mobile Apps (2026) - CardRates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1YbV91dTBjci1Fem1ITC16eEtZT1VhS2RxdG9tbjVWTE91QWpTTk9pZDZxS3pMMVo4SExTWnVhOEpmTzNiR21yaDhiNjRCcHhhU3VJT3NhQUlieC1CZS1KY25fU1FrLXlyTzRkY1I1MkVlUm1zOXQ3ZA?oc=5) · CardRates.com
- 2026-03-31 [Intuit class action claims tax refund advance loans violate Military Lending Act - Top Class Actions](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNZFRoVEljQnB4UG5VdWV2QXNUX3pjWVRxanM2eHRxeU9TUUdmREx0TFFpam1OUExOZ2xmZzl2ekxQbWFLLVhlTTN1Tm5rdlctdmc2NFFWNkNheGxWbGxaaG45dW5ZNjRJZzRKb05tNWllbmg3SGZmdnJZRk5JdHlzc1JzaW9pZVZKM2JsVXZxWHBHUEw5TkRabl8xUU9nQzRSQ2tKM1FHNHpQSldtTzBma0hqc0J6cjNVeEIyMEhCZ1RKa2U5eVpGMjlmSWMzVUFMUE5nM2xxSWU3Zw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57123 (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/35.json (key "57123", 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