First Century Bank, National Association

Commerce, GeorgiaFDIC Cert #57123

OCCEstablished 20022 branches

Holding company: FIRST CENTURY BCORPRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$1.47M
Investor CRE	$1.74M
Multifamily	$0
Construction	$6.44M
1–4 family	$118K
C&I	$53.5M
Agriculture	$0
Other	$103M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$167M

+184.5%y/y

Percentile by value6th percentileby value

FDICLNLSGR

Net loans

$166M

+185.7%y/y

Percentile by value6th percentileby value

FDICLNLSNET

Loans YoY

+185.68%

+476.4%y/y

Percentile by value100th percentileby value

FDICLNLSNET

L/D

23.8%

+141.2%y/y

Percentile by value1st percentileby value

FDICLNLSNET + DEP

Loans/assets

19.3%

+133.9%y/y

Percentile by value1st percentileby value

FDICLNLSNET + ASSET

RE loans %

5.85%

−72.2%y/y

Percentile by value1st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,046points

−79.8%y/y

Peer standing99th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.88%

−65.3%y/y

Percentile by value4th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.04%

−68.4%y/y

Percentile by value4th percentileby value

FDICLNRENROT + LNLSGR

C&I %

32.09%

−54.7%y/y

Percentile by value97th percentileby value

FDICLNCI + LNLSGR