Bank Safety Analysis
Is First City Bank Safe? Alpharetta, Georgia
Based on its Q3 2026 call report, First City Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First City Bank safe?
On its Q3 2026 call report, First City Bank's Community Bank Leverage Ratio is 56.66%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 56.66%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
First City Bank is an FDIC-insured commercial bank (FDIC Certificate #16281). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First City Bank (FDIC Certificate #16281) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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First City Bank is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
Return on assets dropped 1.68 percentage points in Q3 2026, from -6.43% to -8.11%. It was the largest change from Q2 2026 among the key lines here. Among 121 Georgia banks, First City Bank sits 2nd from the top on leverage ratio, 56.66% as of Q3 2026. Against a median of 12.88% for banks in the < $100M asset tier, First City Bank reported 56.66% on leverage ratio in Q3 2026, 43.79 points higher.
First City Bank ranks as the 119th largest of the 122 banks based in Georgia, by total assets at Q3 2026. Owner-occupied commercial real estate loans are its largest loan category, $5.7M of $16.0M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, First City Bank's community bank leverage ratio of 56.66% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 321.43% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First City Bank's 12-month failure risk score is 0.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does First City Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does First City Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 43.00% | Within range |
| Commercial real estate to capital supervisory threshold | 17.81% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 2 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
Loans by type, Q3 2026
- Owner-occupied commercial real estate loans: $5.7M
- 1-4 family residential loans: $5.2M
- Non-owner-occupied commercial real estate loans: $2.8M
- Construction and land development loans: $839K
- Commercial and industrial loans: $7K
How have First City Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $58.3M | 56.66% | 0.00% | 0.00% | 321.43% |
| Jun 30, 2026 | $23.0M | 95.11% | 0.00% | 0.00% | 293.75% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First City Bank FDIC insured?
Yes. First City Bank is an FDIC-insured commercial bank (FDIC Certificate #16281). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First City Bank well capitalized?
On its Q3 2026 call report, First City Bank's Community Bank Leverage Ratio is 56.66%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are First City Bank's key safety ratios?
For Q3 2026, First City Bank reports leverage 56.66%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if First City Bank fails?
For Q3 2026, First City Bank reported $37.2M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First City Bank profile.
How we score this
First City Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
First City Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 16281) · FFIEC NIC profile (RSSD 6125996)
Explore: Full First City Bank profile · Other banks in GA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.