Advertisement
First City Bank
Alpharetta, GA · FDIC Certificate #16281 · Chartered 07/0
Total assets
$22.99M
Total deposits
$1.09M
Total equity
$21.72M
Net loans
$7.18M
Branches (offices)
1
Net income (YTD)
-$365.00K
Rank: #4,178 of 4,213 U.S. banks by assets · #122 of 123 in Georgia. Assets changed -3.5% and deposits -94.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | -3.05% |
| Return on equity | -7.97% |
| Net interest margin (YTD) | 1.49% |
| Equity to assets | 94.46% |
| Tier 1 leverage ratio | 194.25% |
| Uninsured deposits (share of deposits) | 0.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 660.4% |
| Real estate loans (share of loans) | 101.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.26M | 101.1% | |
| Commercial & industrial | $14.00K | 0.2% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $700.00K | 9.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $26.30M | $22.68M | -$108.00K | $3.09M |
| Jun 2023 | $25.37M | $22.46M | -$32.00K | $2.43M |
| Jun 2024 | $28.70M | $24.97M | -$23.00K | $3.29M |
| Jun 2025 | $23.83M | $20.53M | -$186.00K | $2.92M |
| Jun 2026 | $22.99M | $1.09M | -$365.00K | $21.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $1.09M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.09M.
Similar-sized banks
The First National Bank Of Fletcher ($23.37M) · Sainte Marie State Bank ($22.96M)
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.
Advertisement