Commercial Banking Co vs First Century Bank NA
Side-by-side bank health comparison using FDIC financial data
Commercial Banking Co (A) and First Century Bank NA (A) are close on the BankHealth rubric. Asset bases: $355M versus $434M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Commercial Banking Co has a stronger Bank Health Score of 100/100 (A) compared to First Century Bank NA at 100/100 (A), a difference of 0 points. Commercial Banking Co holds a Tier 1 capital ratio of 18.1% and an NPL ratio of 0.04%.
| Metric | Commercial Banking Co | First Century Bank NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.1% | 18.5%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 30.4% | 88.1%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.1% | 3.9%* |
| Total Assets | $355M | $434M |
| Total Deposits | $317M | $348M |
| Location | Valdosta, Georgia | Commerce, Georgia |
Commercial Banking Co has a stronger Bank Health Score of 100/100 (A) compared to First Century Bank NA at 100/100 (A), a difference of 0 points. Commercial Banking Co holds a Tier 1 capital ratio of 18.1% and an NPL ratio of 0.04%.