First City Bank
First City Bank is an FDIC-insured commercial bank headquartered in Alpharetta, GA, supervised by the FDIC, with $58.3M in total assets at Q3 2026, the 119th largest of 122 banks headquartered in Georgia. It was established in 1945 and holds FDIC certificate 16281.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16281
- Headquarters
- Alpharetta, GA
- Established
- 1945
- Total assets, Q3 2026
- $58.3M
- Capital ratio
- Not reported
- Domestic offices
- 1 branch
- Routing number
- 061121520
- Latest call report
- Q3 2026, FFIEC 051 · First City Bank call report
- Asset rank in state
- 119th of 122 in Georgia
First City Bank, based in Alpharetta, Georgia, reported $58 million in assets at September 30, 2026. It is losing 13.9% a year on shareholders' equity, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 8.8%). It also keeps 0.36 cents of net interest income on every dollar of earning assets, a small fraction of the median of 3.99 cents for banks its size.
It lost $740,000 in the quarter. Funding is the softer spot: it pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.58%).
As of September 30, 2026, First City Bank reported a return on assets of -8.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 122 banks headquartered in Georgia, First City Bank is the 119th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 153.5% to $58.3M, loans rose 119.8% and deposits rose 3318.3%. Its loan book on September 30, 2026 was led by owner-occupied commercial real estate loans, at 35.8% of total loans, followed by 1-4 family residential loans at 32.3%. Its one office in the FDIC Summary of Deposits is in Alpharetta, GA. On its Q3 2026 call report, First City Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 21 N Main St, Alpharetta, GA 30009
- County
- Fulton
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 2, 1945
- Domestic offices
- 1 branch
- Employees (FTE)
- 16
- Domestic deposits
- $37.2M
- Allowance for credit losses
- $199K
- Net charge-offs (YTD)
- $0
- Average total assets
- $36.5M
- Average total loans
- $9.6M
- Average interest-bearing deposits
- $15.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1945
- FDIC Cert
- 16281
- Fed RSSD
- 6125996
- Website
- www.firstcity.bank →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, First City Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Inside the full First City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First City Bank (main office) | Alpharetta , GA | 30009 | $1.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 15, 2026 | Structure Change | Acquired Bank of Lumber City Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 175 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First City Bank
What are First City Bank's total assets?
As of the Q3 2026 filing, First City Bank reported total assets of $58.3 million in its FFIEC call report.
Where is First City Bank headquartered?
It is headquartered in Alpharetta, GA, United States.
When was First City Bank founded?
It was established in 1945, per the FDIC institution directory.
Is First City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First City Bank?
First City Bank's primary federal regulator is the FDIC.
How many branches does First City Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First City Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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