First Century Bank, National Association (GA)

First Century Bank, National Association (GA)

Overview / Commentary
1731 N. Elm St.
Commerce, GA 30529

First Century Bank, National Association (GA) is headquartered in COMMERCE and is the 26th largest bank in the state of Georgia. It is also the 1,520th largest bank in the nation. It was established in 2002 and as of December of 2023, it had grown to 73 employees at 2 locations. First Century Bank, National Association (GA) has an A health rating.

Reviews (1)


Posted by: |

I went through the Costco program and decided to go with this bank because of their low rates low costs, but that was a major mistake. I locked in my rate for my refinance with this bank and gave them every document to get approval through their underwriting department, but they kept asking for more bank statements every month because it was taking them so long to close the loan. My credit score was around 770 my annual income was $200K, but they wanted detailed information about everything and I gave that all to them. But four months went by and they still had not closed my loan in time. I kept emailing the loan officer over and over about when the closing would happen, and he kept telling me this Friday, next Friday, I'll be in touch with you to let you know, etc. When the lock in deadline passed, he told me that I needed to re-lock, but either at a higher rate or pay more money out of pocket to get the same rate. When I agreed to pay some money to get the same 3.875% rate with them paying the other half, he agreed. But then they again weren't able to close within the 15 day lock in period that the loan officer put me in. When I contacted him to find out what was going on, I got an out of office reply, so I emailed his manager, who told me that we were not going to be able to close and that I would need to re-lock and go through underwriting all over again. The worst experience ever!!! Highly recommend that you stay away from this bank.


Health Grade Components

FDIC Certificate #57123
Year Established2002
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD14.55%
Annual Interest Income$32.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$607.7MM$714.5MM
LoansQ4 2023vs Q4 2022$34.2MM$25.7MM
DepositsQ4 2023vs Q4 2022$529.1MM$645.1MM
Equity CapitalQ4 2023vs Q4 2022$75MM$64.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$219K$223K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$444K$169K
Real Estate OwnedQ4 2023vs Q4 2022$3.7MM$3.7MM

Sorry, we do not have rate data for First Century Bank, National Association (GA).


First Century Bank, National Association (GA) Locations
First Century Bank, National Association1731 N Elm StCommerce, GA 30529
Hilton Head Branch19 Shelter Cove LnHilton Head Island, SC 29928

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