City First Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.77 percentage points in Q2 2026, from 82.97% to 96.74%. It was the largest change from Q1 2026 among the key lines here. Against a median of 1.28% for banks in the $1B-10B asset tier, City First Bank, N.A. reported 0.30% on return on assets in Q2 2026, 0.98 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.20% |
| Equity capital to assets | 12.06% |
| Tangible equity to tangible assets | 11.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 5.64% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 96.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.30% |
| Return on equity | 2.37% |
| Net interest margin | 2.66% |
| Efficiency ratio | 68.98% |
| Yield on earning assets | 5.00% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.16% |
| Core deposits to total deposits | 79.99% |
| Brokered deposits to total deposits | 15.77% |
| Deposits to assets | 75.72% |
| Securities to assets | 20.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.13% | 0.08% | 2.29% | 0.00% | 0.00% |
| Q4 2023 | 14.97% | 0.90% | 2.35% | 0.00% | -0.10% |
| Q1 2024 | 13.68% | -0.02% | 2.26% | 0.04% | 0.00% |
| Q2 2024 | 13.82% | 0.13% | 2.39% | 0.03% | 0.00% |
| Q3 2024 | 13.84% | 0.19% | 2.50% | 0.03% | 0.00% |
| Q4 2024 | 13.61% | 0.39% | 2.31% | 0.03% | 0.00% |
| Q1 2025 | 14.78% | -0.79% | 2.56% | 0.09% | 0.00% |
| Q2 2025 | 15.34% | 0.29% | 2.54% | 0.41% | 0.00% |
| Q3 2025 | 14.56% | -7.28% | 2.72% | 1.32% | 0.00% |
| Q4 2025 | 14.09% | 0.35% | 2.64% | 1.09% | 0.45% |
| Q1 2026 | 14.06% | 0.36% | 2.72% | 1.07% | 0.01% |
| Q2 2026 | 13.20% | 0.30% | 2.66% | 0.98% | 0.11% |
City First Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock City First Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full City First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34352) · FFIEC NIC profile (RSSD 2697963)