BlastPoint's Banking Scorecard
First City Bank
Designations: ✓ Community bank
Alpharetta, GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits -94.7% year over year ($1.1M on the books).
- Delinquency rate 0.00%.
- Return on assets -3.05%.
- Efficiency ratio 293.75% vs a 119.40% peer average.
- Loan-to-deposit ratio 660.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First City Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 4.04% below tier average
- - Net Interest Margin 2.43% below tier average
- - Efficiency Ratio 174.35% above tier average
- - Loan-to-Deposit Ratio 586.23% above tier average
- - Non-Interest Income / Assets 1.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.0M
-3.5% YoY
-4.0% QoQ
|
-$39.4M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.0% in tier |
| Total Loans ? |
$7.2M
-19.4% YoY
-21.5% QoQ
|
-$27.7M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.4% in tier |
| Total Deposits ? |
$1.1M
-94.7% YoY
-94.8% QoQ
|
-$50.5M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.0% in tier |
| Return on Assets ? |
-3.05%
-113.7% YoY
-66.3% QoQ
|
-4.04% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.5% in tier |
| Net Interest Margin ? |
1.49%
-69.3% YoY
-69.3% QoQ
|
-2.43% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio ? |
293.75%
+135.8% YoY
+123.7% QoQ
|
+174.35% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? | 660.44% | +586.23% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.18%
-38.8% YoY
-40.9% QoQ
|
-0.31% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? | 194.25% | +167.13% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 1.3% in tier |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-1.38% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.2%
-14.7pp YoY -16.0pp QoQ |
-1.5pp | 24.6% | 26.2% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.2%
-7.9pp YoY -4.1pp QoQ |
-13.2pp | 13.4% | 9.7% | 12.5% | 1% |
| CRE | n/a | n/a | 25.2% | 48.9% | 41.4% | n/a |
| 1-4 Family |
14.2%
-13.3pp YoY -12.2pp QoQ |
-20.8pp | 35.0% | 31.7% | 31.3% | 28% |
| Consumer | n/a | n/a | 7.7% | 4.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
194.3%
+183.7pp YoY +185.0pp QoQ |
+176.6pp | 17.7% | 14.0% | 12.6% | 100% |
| Total Capital Ratio | n/a | n/a | 39.7% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+2 (+16.7%) YoY +2 (+16.7%) QoQ |
+2 | 12 | 98 | 482 | 67% |
| Assets per Employee ($) |
$1.6M
-17.3% YoY -17.7% QoQ |
-$4.5M | $6.2M | $7.5M | $8.8M | 3% |
| Branch Count |
1
-1 (-50.0%) YoY -1 (-50.0%) QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 38.10x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-8.0%
+4.1pp YoY +7.6pp QoQ |
-14.4pp | 6.4% | 13.6% | 11.6% | 6% |
| Cost of Funds (YTD) |
0.0%
-1.3pp YoY -1.2pp QoQ |
-1.4pp | 1.4% | 1.6% | 1.7% | 0% |
| Net Income ($, YTD) |
$-365000.0
-96.2% YoY — QoQ |
-$683K | $317,817 | $6.6M | $40.4M | 4% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.