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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

First Century Bank N.A.

Commerce, Georgia · $832M in assets · beside the 11 other Georgia banks between $300M and $1B

The filing

20.3%
Loans / deposits
1st of 12
0.00%
NPA / loans
1st of 12
5.6%
CRE / loans
1st of 12

First Century Bank N.A. is the fourth largest of the 12 Georgia banks nearest its size between $300M and $1B, with $832M in assets at 30 June 2026. Loans are 20.3% of deposits, the lowest in the cohort against a median of 82.7%, and equity is 16.2% of assets, 2nd of 12. Loans grew +49.7% in the year, the fastest in the cohort, and deposits grew 15.9%; the cohort's median loan growth is +6.9%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 0.4% of loans, the lowest in the cohort. Commercial real estate is 5.6% of loans, the lowest in the cohort against a median of 34.7%, and 6% of capital, below the 300% screen, with construction at 4% against the 100% screen. CRE has grown +171.4% over 36 months, past the guidance's 50% prong.

Return on assets is 1.77%, 5th of 12 against a median of 1.56%, on an efficiency ratio of 62.3%, 10th of 12. Five years ago it was 1.87%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 34.7% FC First Century Bank N.A. 5.6% FS First State Bank of Blakely 11.1% FS FNB South 22.3% CT Citizens Trust Bank 31.4% BB Barwick Banking Co. 32.0% AB Affinity Bank National Association 33.2% OS Oconee State Bank 36.2% FM Farmers & Merchants Bank 37.8% FN First National Community Bank 39.8% PS Peach State Bank & Trust 41.3% PB Promiseone Bank 41.9% FA First American Bank & Trust Co. 52.7%
Loans, year over yearGA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.9% FC First Century Bank N.A. +49.7% BB Barwick Banking Co. +31.6% OS Oconee State Bank +16.2% FS FNB South +12.1% FA First American Bank & Trust Co. +11.5% FM Farmers & Merchants Bank +7.5% PS Peach State Bank & Trust +6.4% PB Promiseone Bank +2.5% FN First National Community Bank +2.3% AB Affinity Bank National Association +2.3% FS First State Bank of Blakely -1.0% CT Citizens Trust Bank -2.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, First Century Bank N.A. among them; owner-occupied excluded; bold marks a screen met
First Century Bank N.A.RankCohort median
Total CRE against capital, the 300% screen6%1st of 12237%
Construction against capital, the 100% screen4%2nd of 1255%
Construction and land development, share of loans4.4%3rd of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans1.2%1st of 1217.8%
Total CRE, the guidance definition, share of loans5.6%1st of 1234.7%
CRE growth over 36 months, the third prong+171.4%12th of 12+41.0%
Commercial real estate against capital, the 300% screenGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 237% FC First Century Bank N.A. 6% FS First State Bank of Blakely 37% FS FNB South 90% CT Citizens Trust Bank 110% AB Affinity Bank National Association 220% FN First National Community Bank 225% OS Oconee State Bank 248% PS Peach State Bank & Trust 253% PB Promiseone Bank 284% FM Farmers & Merchants Bank 285% BB Barwick Banking Co. 292% FA First American Bank & Trust Co. 293%
CRE growth over 36 months, the guidance's third prongGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +41.0% CT Citizens Trust Bank +9.3% FN First National Community Bank +14.5% PS Peach State Bank & Trust +24.5% AB Affinity Bank National Association +34.5% FS FNB South +36.3% PB Promiseone Bank +38.8% FA First American Bank & Trust Co. +43.2% OS Oconee State Bank +57.9% FS First State Bank of Blakely +62.6% BB Barwick Banking Co. +93.2% FM Farmers & Merchants Bank +113.7% FC First Century Bank N.A. +171.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Affinity Bank National Association$915M1.1%61.6%0.47%0.03%1.2%102.1%12.9%
First American Bank & Trust Co.$902M2.0%49.6%0.00%0.00%1.1%94.2%13.0%
Farmers & Merchants Bank$862M1.6%48.1%1.86%0.22%1.2%79.1%8.6%
First Century Bank N.A.$832M1.8%62.3%0.00%0.00%0.4%20.3%16.2%
Barwick Banking Co.$830M0.8%62.8%0.49%0.10%1.0%99.8%8.5%
Promiseone Bank$812M1.5%58.1%0.81%0.10%1.0%84.5%8.6%
Citizens Trust Bank$790M1.6%54.1%1.63%0.04%1.3%57.5%12.5%
Peach State Bank & Trust$786M1.4%54.8%0.00%-0.02%1.1%74.1%9.5%
First National Community Bank$755M1.9%48.8%0.43%-0.01%1.3%82.7%12.9%
Oconee State Bank$744M0.8%73.3%2.83%0.02%1.3%82.7%9.3%
FNB South$735M2.6%46.1%0.00%-1.40%3.2%81.5%15.9%
First State Bank of Blakely$668M1.8%51.4%3.36%0.00%1.5%85.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Century Bank N.A.Cohort median
20212026Change20212026Change
Loans$40M$141M+248%$320M$542M+69%
Deposits$251M$693M+176%$463M$698M+51%
NPA / loans1.25%0.00%-1.25 pts0.96%0.48%-0.48 pts
Efficiency42.3%62.3%+20.0 pts64.3%54.4%-9.9 pts
ROA1.87%1.77%-0.10 pts1.01%1.56%+0.55 pts

This read was prepared for First Century Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Century Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $300M to $1B
Institution www.myfirstcenturybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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