First Century Bank: how it compares with its peers
Against 42 TN banks with half to twice its assets, First Century Bank's strongest measure in Q2 2026 is efficiency ratio (47.70% vs. a 64.17% peer median). Its weakest relative measure is net interest margin (4.33% vs. 3.98%).
| Measure | First Century Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.15% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.33% | 3.98% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.70% | 64.17% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $6.5M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.89% | 82.19% | Context |
What it means for lending operations
Its efficiency ratio of 47.70% is better than the 64.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Freedom Bank Lebanon, TN · $818M
- Macon Bank and Trust Company Lafayette, TN · $821M
- Citizens Bank Carthage, TN · $832M
- Millennium Bank Chattanooga, TN · $781M
- Paragon Bank Memphis, TN · $908M
- Legends Bank Clarksville, TN · $928M
Questions about First Century Bank
How big is First Century Bank?
First Century Bank, established in 1899, is headquartered in Tazewell, TN. It reported $810M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is First Century Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.15% median for 42 TN banks with half to twice its assets, ahead of 79% of them.
What is First Century Bank's efficiency ratio?
47.70% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 64.17%, and lower is better.
Is First Century Bank growing its loans?
Net loans grew 9.7% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.