FIRST CENTURY BANK NA
COMMERCE, GEORGIA · FDIC Cert #57123
Capital & Safety Analysis
According to FDIC financial data, FIRST CENTURY BANK NA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST CENTURY BANK NA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST CENTURY BANK NA shows strong financial health indicators. With $434M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST CENTURY BANK NA has a Bank Health Score of B (65/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST CENTURY BANK NA holds $434M in total assets and $348M in total deposits. It is located in COMMERCE, GEORGIA (FDIC Certificate #57123).
FIRST CENTURY BANK NA has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.05%, and the return on assets is 3.93%.
Yes. FIRST CENTURY BANK NA is FDIC-insured (Certificate #57123). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.