City First Bank, National Association: how it compares with its peers
Against 883 U.S. banks with half to twice its assets, City First Bank, National Association's strongest measure in Q2 2026 is assets per employee ($15.8M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.32% vs. 1.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.32% | 1.23% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.67% | 3.78% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.84% | 60.61% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.8M | $8.2M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.25% | 85.78% | Context |
What it means for lending operations
Its efficiency ratio of 74.84% is above the 60.61% 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
- Sterling Bank Poplar Bluff, MO · $1.56B
- CorTrust Bank National Association Mitchell, SD · $1.56B
- First State Bank Mendota, IL · $1.56B
- Providence Bank & Trust South Holland, IL · $1.56B
- Union Bank Morrisville, VT · $1.56B
- The Citizens Bank of Philadelphia, Mississippi Philadelphia, MS · $1.56B
Questions about City First Bank, National Association
How big is City First Bank, National Association?
City First Bank, National Association, established in 1998, is headquartered in Washington, DC. It reported $1.56B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is City First Bank, National Association's return on assets?
0.32% annualized in Q2 2026, against a 1.23% median for 883 U.S. banks with half to twice its assets, ahead of 5% of them.
What is City First Bank, National Association's efficiency ratio?
74.84% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 60.61%, and lower is better.
Is City First Bank, National Association growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 35.9%.
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 District of Columbia bank ranked.