First City Bank: Peer Group Comparison
BankRegReports is independent of First City Bank and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First City Bank of Alpharetta, GA against its peer group of 568 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with under $100M in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | -8.11% | 1.11% | -9.22% | 2nd worst quarter |
| ROAE | -13.92% | 8.79% | -22.71% | 5th worst quarter |
| Net Interest Margin | 0.36% | 3.95% | -3.59% | 0th worst quarter |
| Efficiency Ratio | 321.43% | 69.24% | +252.19% | 99th worst quarter |
| Yield on Earning Assets | 0.48% | 5.30% | -4.82% | 0th |
| Cost of Funds | 2.37% | 1.58% | +0.79% | 81st worst quarter |
| Net Interest Spread | -1.86% | 3.42% | -5.28% | 0th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.37% | -0.37% | 14th best quarter |
| NPA / Total Assets | 0.00% | 0.15% | -0.15% | 17th best quarter |
| NCO / Avg Loans | 0.00% | 0.00% | +0.00% | 43rd better half |
| ACL / Total Loans | 1.25% | 1.24% | +0.01% | 50th |
| Texas Ratio | 0.00% | 1.26% | -1.26% | 17th best quarter |
| CRE / Total Capital | 17.81% | 26.55% | -8.74% | 43rd better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 56.66% | 13.42% | +43.24% | 89th best quarter |
| Equity / Assets | 35.84% | 12.44% | +23.40% | 88th best quarter |
| TCE / Tangible Assets | 35.33% | 12.20% | +23.13% | 88th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 43.00% | 68.60% | -25.60% | 20th |
| Core Deposit Ratio | 79.58% | 91.38% | -11.80% | 12th worst quarter |
See First City Bank's peers by name
The 568 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, 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 First City Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First City Bank peer analysis.