City First Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks City First Bank, N.A. of Washington, DC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.30% | 1.46% | -1.16% | 5th bottom |
| ROAE | 2.37% | 12.72% | -10.35% | 5th bottom |
| Net Interest Margin | 2.66% | 3.85% | -1.19% | 6th bottom |
| Efficiency Ratio | 68.98% | 57.40% | +11.58% | 22nd bottom |
| PPNR / Avg Assets | 0.85% | 1.88% | -1.03% | 11th bottom |
| Yield on Earning Assets | 5.00% | 5.72% | -0.72% | 20th bottom |
| Cost of Funds | 2.53% | 2.02% | +0.51% | 20th bottom |
| Net Interest Spread | 2.20% | 3.18% | -0.98% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.98% | 1.00% | -0.02% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.71% | 0.76% | -0.05% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 28th below |
| ACL / Total Loans | 0.95% | 1.31% | -0.36% | 24th bottom |
| ACL / NPLs (Coverage) | 96.74% | 543.63% | -446.89% | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.64% | 7.39% | -1.75% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 520.80% | 618.67% | -97.87% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.20% | 11.44% | +1.76% | 86th top |
| Equity / Assets | 12.06% | 11.33% | +0.73% | 76th top |
| TCE / Tangible Assets | 11.99% | 10.50% | +1.49% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.16% | 86.95% | +9.21% | 26th below |
| Core Deposit Ratio | 79.99% | 85.56% | -5.57% | 21st bottom |
| Uninsured Deposit Ratio | 47.85% | 33.11% | +14.74% | 11th bottom |
| Wholesale Funding Ratio | 11.26% | 5.70% | +5.56% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.38% | 9.67% | +15.71% | 94th top |
| Loan Growth (Y/Y) | 15.24% | 8.05% | +7.19% | 86th top |
| Deposit Growth (Y/Y) | 35.93% | 7.85% | +28.08% | 95th top |
See City First Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock City First Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full City First Bank, N.A. profile, how to read a UBPR, or how this data updates.