First City Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, First City Bank reported 18 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans and securities to assets. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 56.66% in Q3 2026.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 625.81 percentage points lower than in Q2 2026, at 43.00%. On return on assets, First City Bank is 2nd from the bottom among 122 Georgia banks, -8.11% (Q3 2026). Against a median of 0.98% for banks in the < $100M asset tier, First City Bank reported -8.11% on return on assets in Q3 2026, 9.08 points lower.
Capital adequacy
Tangible equity to tangible assets moved most in this table, down 58.59 points: 93.92% in Q2 2026, 35.33% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 56.66% |
| Equity capital to assets | 35.84% |
| Tangible equity to tangible assets | 35.33% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of nonperforming loans | — |
Earnings
Return on assets moved most in this table, down 1.68 points: -6.43% in Q2 2026, -8.11% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | -8.11% |
| Return on equity | -13.92% |
| Net interest margin | 0.36% |
| Efficiency ratio | 321.43% |
| Yield on earning assets | 0.48% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 43.00% |
| Core deposits to total deposits | 79.58% |
| Brokered deposits to total deposits | 14.76% |
| Deposits to assets | 63.74% |
| Securities to assets | — |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | NPL ratio | Net charge-off ratio | ACL / loans |
|---|---|---|---|---|---|
| Q2 2026 | 95.11% | -6.43% | 0.00% | 0.00% | 1.25% |
| Q3 2026 | 56.66% | -8.11% | 0.00% | 0.00% | 1.25% |
First City Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)