First City Bank: how it compares with its peers
Against 162 U.S. banks with half to twice its assets, First City Bank's strongest measure in Q2 2026 is assets per employee ($1.6M vs. a $5.0M peer median). Its weakest relative measure is efficiency ratio (293.75% vs. 78.54%).
| Measure | First City Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.05% | 0.92% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.49% | 3.87% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 293.75% | 78.54% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.6M | $5.0M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 660.44% | 56.62% | Context |
What it means for lending operations
Its efficiency ratio of 293.75% is above the 78.54% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sainte Marie State Bank Sainte Marie, IL · $23M
- Peoples Bank of Macon Macon, IL · $23M
- The First National Bank of Fletcher Fletcher, OK · $23M
- The Dickinson County Bank Enterprise, KS · $23M
- The Mt. Victory State Bank Mount Victory, OH · $23M
- The Peoples State Bank Cherryvale, KS · $23M
Questions about First City Bank
How big is First City Bank?
First City Bank, established in 1945, is headquartered in Alpharetta, GA. It reported $23M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First City Bank's return on assets?
-3.05% annualized in Q2 2026, against a 0.92% median for 162 U.S. banks with half to twice its assets, ahead of 7% of them.
What is First City Bank's efficiency ratio?
293.75% in Q2 2026: it spent about 294 cents in noninterest expense for each dollar of revenue. The peer median is 78.54%, and lower is better.
Is First City Bank growing its loans?
Net loans shrank 19.4% over the year to Q2 2026, while deposits shrank 94.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.