First City Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, First City Bank reported 20 of the 23 line items on this page. It did not report foreign office deposits, uninsured deposits and uninsured deposits to total deposits. Total deposits was $37.2M in Q3 2026. That is 63.7% of its total assets.
The standout move of Q3 2026 was in Loans and leases to core deposits: 623.23 percentage points lower than in Q2 2026, at 45.59%. On total deposits, First City Bank is 3rd from the bottom among 122 Georgia banks, $37.2M (Q3 2026). The median for banks in the < $100M asset tier is $53.2M on total deposits. First City Bank sits 30% lower, at $37.2M (Q3 2026).
Deposit totals
Total deposits changed the most here, up 3318.3% to $37.2M in Q3 2026 from $1.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $37.2M |
| Domestic office deposits | $37.2M |
| Foreign office deposits | — |
| Deposits to total assets | 63.74% |
| Deposits to total liabilities | 99.35% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Transaction accounts to domestic deposits changed the most here, up 41.01 points to 72.56% in Q3 2026 from 31.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $27.0M |
| Savings deposits | $65K |
| Transaction accounts to domestic deposits | 72.56% |
| Time deposits to total deposits | 19.10% |
| Time deposits under $100k | $1.3M |
| Time deposits $100k to $250k | $3.7M |
| Time deposits over $250k | $2.1M |
| Noninterest-bearing share of deposits | 9.49% |
Stability of funding
Insured deposits changed the most here, up 3136.6% to $35.2M in Q3 2026 from $1.1M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $29.6M |
| Core deposits to total deposits | 79.58% |
| Insured deposits | $35.2M |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $5.5M |
| Brokered deposits to total deposits | 14.76% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.34% |
| Interest expense on deposits | $101K |
| Loans and leases to core deposits | 45.59% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits |
|---|---|---|---|
| Q2 2026 | $1.1M | 100.00% | 0.00% |
| Q3 2026 | $37.2M | 79.58% | 14.76% |
First City Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First City Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 16281) · FFIEC NIC profile (RSSD 6125996)