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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tazewell, TN · FDIC certificate #1700
FIRST CENTURY BANK is an FDIC-insured institution based in Tazewell, TN (FDIC certificate #1700). In its Q3 2026 Call Report it reported total assets of $832M, total deposits of $747M and net loans of $699M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST CENTURY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $832M in Q3 2026 and were lowest at $781M in Q1 2026.
Total deposits were highest at $747M in Q3 2026 and lowest at $695M in Q1 2026.
Over the whole period total assets rose 6.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $832M | $747M | $699M | 1.72% | 18.69% | 4.41% |
| Q2 2026 | $810M | $722M | $700M | 1.69% | 18.38% | 4.33% |
| Q1 2026 | $781M | $695M | $681M | 1.68% | 18.26% | 4.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $42.0M | $46.0M | -$3.9M | -8.6% |
| Federal funds sold | $29.6M | $24.6M | +$5.0M | +20.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $9.2M | $1.5M | +$7.7M | +527.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $699.9M | $680.7M | +$19.2M | +2.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.6M | $10.7M | -$69K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $18.5M | $17.5M | +$994K | +5.7% |
| Total assets | $809.8M | $780.9M | +$28.9M | +3.7% |
| Liabilities | ||||
| Total deposits | $722.3M | $694.8M | +$27.6M | +4.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.1M | $9.1M | -$1.1M | -11.6% |
| Total liabilities | $735.4M | $708.9M | +$26.5M | +3.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $3.1M | $3.1M | $0K | 0.0% |
| Retained earnings | $71.2M | $68.8M | +$2.4M | +3.5% |
| Accumulated other comprehensive income | -$9K | -$9K | $0K | 0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $74.4M | $72.0M | +$2.4M | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $522K | $337K | +$185K | +54.9% |
| Adjusted nonperforming assets | $522K | $337K | +$185K | +54.9% |
| Tangible equity plus allowance | $82.0M | $79.3M | +$2.7M | +3.4% |
| Texas ratio (gross) | 0.64% | 0.42% | +0.21 pts | See points |
| Texas ratio (adjusted) | 0.64% | 0.42% | +0.21 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.72% | 0.52% | +0.20 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.97% | 11.75% | +0.21 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.97% | 11.75% | +0.21 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.22% | 13.00% | +0.22 pts | See points |
| Tier 1 leverage (approximate) | 9.44% | 9.35% | +0.09 pts | See points |
| Construction and land loans to total capital | 111.44% | 120.70% | -9.26 pts | See points |
| Commercial real estate to total capital | 237.03% | 245.73% | -8.70 pts | See points |
| Dividend payout, year to date | 30.20% | 30.90% | -0.70 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.02% | -0.02% | -0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $665.5M | $637.0M | +$28.5M | +4.5% |
| Non-core funding | $61.9M | $62.8M | -$903K | -1.4% |
| Loans to core deposits | 106.31% | 108.00% | -1.69 pts | See points |
| Loans to deposits | 97.94% | 99.02% | -1.08 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 35.34% | 36.19% | -0.84 pts | See points |
| Volatile liabilities | $61.9M | $62.8M | -$903K | -1.4% |
| Earnings | ||||
| Earnings before provision, year to date | $9.4M | $4.7M | +$4.7M | +101.3% |
| Earnings before provision, single quarter | $4.7M | $4.7M | +$59K | +1.3% |
| Provision for credit losses, year to date | $500K | $250K | +$250K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.61% | 6.54% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.88% | 3.43% | +0.45 pts | See points |
| Total interest income to average assets | 6.13% | 6.05% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 2.28% | 2.04% | +0.24 pts | See points |
| Cost of savings and money market deposits | 2.25% | 2.26% | -0.02 pts | See points |
| Cost of time deposits | 3.73% | 3.79% | -0.06 pts | See points |
| Total interest expense to average assets | 1.96% | 1.94% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $832M | $747M | $699M | 1.72% | 18.69% | 4.41% |
| 2026-06-30 | $810M | $722M | $700M | 1.69% | 18.38% | 4.33% |
| 2026-03-31 | $781M | $695M | $681M | 1.68% | 18.26% | 4.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $684.7M | 0.29% | 56 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.