First Century Bank NA vs Cibc National Trust Co
Side-by-side bank health comparison using FDIC financial data
First Century Bank NA (A) and Cibc National Trust Co (A) are close on the BankHealth rubric. Asset bases: $434M versus $354M.
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
First Century Bank NA has a stronger Bank Health Score of 100/100 (A) compared to Cibc National Trust Co at 100/100 (A), a difference of 0 points. First Century Bank NA holds a Tier 1 capital ratio of 18.5% and an NPL ratio of 0.05%.
| Metric | First Century Bank NA | Cibc National Trust Co |
|---|---|---|
| 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) | 18.5% | 216.3%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 88.1%* | 52.3% |
| Return on Assets Profitability metric (above 1% is strong) | 3.9% | 17.3%* |
| Total Assets | $434M | $354M |
| Total Deposits | $348M | $629K |
| Location | Commerce, Georgia | Atlanta, Georgia |
First Century Bank NA has a stronger Bank Health Score of 100/100 (A) compared to Cibc National Trust Co at 100/100 (A), a difference of 0 points. First Century Bank NA holds a Tier 1 capital ratio of 18.5% and an NPL ratio of 0.05%.