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City First Bank, National Association
Washington, DC · FDIC Certificate #34352 · Chartered 11/2
Total assets
$1.56B
Total deposits
$1.18B
Total equity
$188.60M
Net loans
$1.13B
Branches (offices)
3
Net income (YTD)
$2.35M
Rank: #720 of 4,213 U.S. banks by assets · #1 of 4 in District of Columbia. Assets changed 25.4% and deposits 35.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.32% |
| Return on equity | 2.50% |
| Net interest margin (YTD) | 2.67% |
| Equity to assets | 12.07% |
| Tier 1 leverage ratio | 13.20% |
| Uninsured deposits (share of deposits) | 47.8% |
| Noncurrent loans (share of loans) | 0.98% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 95.2% |
| Real estate loans (share of loans) | 77.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $871.47M | 77.4% | |
| Commercial & industrial | $265.80M | 23.6% | |
| Consumer / individual | $65.00K | 0.0% | |
| Construction & development | $90.53M | 8.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.22B | $899.86M | $3.06M | $197.30M |
| Jun 2023 | $1.23B | $727.68M | $2.06M | $193.99M |
| Jun 2024 | $1.37B | $765.58M | $394.00K | $201.61M |
| Jun 2025 | $1.25B | $870.11M | -$1.62M | $207.48M |
| Jun 2026 | $1.56B | $1.18B | $2.35M | $188.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| District of Columbia | $939.21M | 1 |
| California | $243.57M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.18B.
Similar-sized banks
Sterling Bank ($1.56B) · First State Bank ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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