First Century Bank, National Association
Commerce, GA · Owner: First Century Bcorp
$832M
total assets, June 30, 2026
$832M
total assets, June 30, 2026
First Century Bank, National Association is a national bank based in Commerce, GA, owned by First Century Bcorp. As of June 30, 2026 it held $831.6 million in assets and $693.2 million in deposits; assets were up 19.5% from a year before. It has 2 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$832M
+19.5% in a year · -3.6% in a quarter
Deposits
$693M
+15.9% in a year · -0.8% in a quarter
Loans
$141M
+49.7% in a year · -15.4% in a quarter
Profit so far
$7.3M
Jan 1 to Jun 30, 2026 · +2.8% in a year
Capital ratio
16.84%
+3.43 pts in a year
Return on assets
1.64%
-0.41 pts in a year
Facts
- Type
- National bank
- Head office
- 1731 N Elm St, Commerce, GA, 30529
- County
- Jackson
- Holding company
- First Century Bcorp
- Established
- Mar 25, 2002
- Employees
- 76
- Branches
- 2 in 2 states
- Website
- www.myfirstcenturybank.com
- Id
- b57123
Quarter by quarter
March 31, 2002 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
2 offices as of June 30, 2026, holding $693.2 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Georgia | 1 | $653M | 94.2% |
| South Carolina | 1 | $40.2M | 5.8% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Century Bank, National Association (main office) | Commerce, GA | $653M |
| Hilton Head Branch | Hilton Head Island, SC | $40.2M |
Related pages
Questions and answers
How big is First Century Bank, National Association?
$831.6 million in total assets and $693.2 million in deposits as of June 30, 2026, with assets up 19.5% from a year before. Its loans were $141.0 million.
How many branches does First Century Bank, National Association have?
2 branches in 2 states as of June 30, 2026. The most deposits are in Georgia ($653.0 million).
Is First Century Bank, National Association profitable?
Yes: it earned $7.33 million from January 1 to June 30, 2026 (up 2.8% from the same months a year before). Its return on assets was 1.64% a year; about 1% is typical.
Who owns First Century Bank, National Association?
First Century Bank, National Association is owned by First Century Bcorp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.