BlastPoint's Banking Scorecard

First City Bank

under $100M Specialty: Agricultural GA FDIC cert 16281

Designations: ✓ Community bank

Alpharetta, GA

537 banks in the under $100M peer group nationally 13 in GA

First City Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.42% above tier average
+ Net Interest Margin 0.98% above tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.69% below tier average
- Efficiency Ratio 43.69% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$23.9M -5.6% YoY -4.2% QoQ	-$38.3M	$62.3M -0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.0% YoY	Bottom 6.5% in tier
Total Loans ?	$9.1M -1.6% YoY +2.8% QoQ	-$25.1M	$34.3M -1.5% YoY	$550.6M +10.4% YoY	$3.2B +10.7% YoY	Bottom 9.7% in tier
Total Deposits ?	$20.8M -4.7% YoY -4.0% QoQ	-$31.0M	$51.8M -0.6% YoY	$689.3M +8.9% YoY	$4.8B +8.0% YoY	Bottom 9.9% in tier
Return on Assets ?	-1.83% -68.6% YoY -21.2% QoQ	-2.69%	0.86% -3.6% YoY	1.50% +0.6% YoY	1.24% +13.1% YoY	Bottom 4.8% in tier
Net Interest Margin ?	4.85% +0.2% YoY -1.0% QoQ	+0.98%	3.87% +2.7% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	131.32% +11.0% YoY +4.3% QoQ	+43.69%	87.63% +2.3% YoY	62.13% -1.5% YoY	66.84% -3.8% YoY	Bottom 5.4% in tier
Delinquency Rate ?	0.73% +1.9% QoQ	-0.63%	1.36% +33.7% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	43.92% +3.2% YoY +7.0% QoQ	-20.19%	64.11% -0.9% YoY	71.10% +2.8% YoY	76.69% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	39.21% -12.3% YoY -2.3% QoQ	+15.42%	23.79% +0.5% YoY	26.76% -3.7% YoY	22.01% -1.1% YoY	Top 9.7% in tier
Nonperforming Asset Ratio ?	0.28% +9.2% QoQ	-0.49%	0.77% +28.7% YoY	0.56% +24.4% YoY	0.66% +19.3% YoY	48%
Tier 1 Capital Ratio ?	9.22% -2.8% YoY -0.7% QoQ	-17.55%	26.77% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 2.0% in tier
Non-Interest Income / Assets ?	0.15% -13.8% YoY -76.0% QoQ	-0.52%	0.67% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.0% YoY	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 39.21%

Peer Median: 23.79%

#53 of 537 Top 9.7% in under $100M

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.87%

#82 of 537 Top 15.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#88 of 537 Top 16.2% in under $100M

133

Loan-to-Deposit Ratio

liquidity

Value: 43.92%

Peer Median: 64.11%

#133 of 537 Top 24.6% in under $100M

Top Weaknesses (6 metrics)

527

Tier 1 Capital Ratio

capital

Value: 9.22%

Peer Median: 26.77%

#527 of 537 Bottom 2.0% in under $100M

512

Return on Assets

profitability

Value: -1.83%

Peer Median: 0.86%

#512 of 537 Bottom 4.8% in under $100M

509

Efficiency Ratio

profitability

Value: 131.32%

Peer Median: 87.63%

#509 of 537 Bottom 5.4% in under $100M

503

Total Assets

size

Value: $23.94M

Peer Median: $62.28M

#503 of 537 Bottom 6.5% in under $100M

486

Total Loans

size

Value: $9.14M

Peer Median: $34.29M

#486 of 537 Bottom 9.7% in under $100M

485

Total Deposits

size

Value: $20.82M

Peer Median: $51.83M

#485 of 537 Bottom 9.9% in under $100M