First Century Bank, National Association is a bank based in Commerce, Georgia, established in 2002, with $862 million in total assets across 2 branches. By Trust Grade it ranks 46th of 124 banks we track in Georgia. Its capital ratio of 15.4% is stronger than 91% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 2.07% return on assets. No consumer complaints against First Century Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Century Bank, National Association compares to Georgia peers
How we graded First Century Bank, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.4% capital ratio)
- Strongly profitable (ROA 2.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Century Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 1731 N Elm St, Commerce, GA 30529
- 2 Park Lane, Hilton Head Island, SC 29928
Are deposits at First Century Bank, National Association insured?
Yes. First Century Bank, National Association is an FDIC-insured bank (FDIC certificate #57123). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Century Bank, National Association: frequently asked questions
Is First Century Bank, National Association a good bank?
First Century Bank, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.4% capital ratio); Strongly profitable (ROA 2.07%).
Is First Century Bank, National Association FDIC-insured?
Yes. First Century Bank, National Association is a FDIC-insured bank (FDIC certificate #57123). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Century Bank, National Association?
First Century Bank, National Association holds $862 million in total assets, ranking 46th of 124 banks we track in Georgia. It operates 2 branches.
Does First Century Bank, National Association have CFPB complaints?
No CFPB complaints against First Century Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
