BlastPoint's Banking Scorecard

City First Bank, National Association

$1B-$10B Specialty: Commercial DC FDIC cert 34352

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Washington, DC

4 branches across CA · DC

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 885 banks in the $1B-$10B peer group nationwide — 1 of 1 in DC.
Deposits +35.9% year over year ($1.2B on the books).
Delinquency rate 0.99%.
Return on assets 0.32%.
Efficiency ratio 74.84% vs a 59.73% peer average.
Loan-to-deposit ratio 95.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 1 in DC

View $1B-$10B leaderboard (DC) →

City First Bank, National Association faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 1.07% below tier average
- Net Interest Margin 1.20% below tier average
- Non-Interest-Bearing Deposit Share 12.74% below tier average
- Non-Interest Income / Assets 0.43% below tier average
- Efficiency Ratio 15.11% above tier average
- Delinquency Rate 0.12% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Total Assets ?	$1.6B +25.4% YoY +9.6% QoQ	-$1.2B	$2.8B -0.6% YoY	$871.1M +13.4% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$1.1B +15.3% YoY +6.4% QoQ	-$836.7M	$2.0B -0.3% YoY	$589.9M +7.3% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$1.2B +35.9% YoY +3.5% QoQ	-$1.1B	$2.3B -0.5% YoY	$695.9M +14.8% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	0.32% +228.3% YoY -8.7% QoQ	-1.07%	1.39% +17.0% YoY	0.44% +153.0% YoY	1.30% +12.1% YoY	Bottom 4.1% in tier
Net Interest Margin ?	2.67% +2.9% YoY -1.9% QoQ	-1.20%	3.87% +6.2% YoY	3.57% +4.4% YoY	3.95% +4.9% YoY	Bottom 6.6% in tier
Efficiency Ratio ?	74.84% -28.1% YoY -7.8% QoQ	+15.11%	59.73% -12.6% YoY	74.74% -12.2% YoY	70.05% +2.5% YoY	Bottom 12.7% in tier
Delinquency Rate ?	0.99% +117.7% YoY -8.4% QoQ	+0.12%	0.87% +11.7% YoY	2.53% +84.3% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	95.25% -15.2% YoY +2.7% QoQ	+10.21%	85.04% -0.1% YoY	84.15% -6.7% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	8.53% -16.3% YoY -0.8% QoQ	-12.74%	21.27% -1.5% YoY	21.36% -2.9% YoY	21.98% -0.6% YoY	Bottom 8.5% in tier
Nonperforming Asset Ratio ?	0.71% +100.2% YoY -11.2% QoQ	+0.04%	0.67% +11.7% YoY	1.45% +78.5% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	13.20% -14.0% YoY -6.1% QoQ	-1.65%	14.84% -0.4% YoY	17.59% -1.5% YoY	17.09% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.10% +90.8% YoY +138.2% QoQ	-0.43%	0.53% +2.5% YoY	0.21% +22.1% YoY	0.66% +5.2% YoY	Bottom 9.9% in tier

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 (DC)	National Avg	Tier Percentile
Noninterest-Bearing	8.5% -1.7pp YoY -0.1pp QoQ	-12.8pp	21.4%	21.4%	22.2%	8%
Brokered Deposits	15.8% -7.9pp YoY +1.6pp QoQ	+6.3pp	9.5%	11.8%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
C&I	23.6% +14.4pp YoY +3.6pp QoQ	+9.6pp	14.0%	11.7%	12.5%	86%
CRE	75.7% -13.7pp YoY -3.3pp QoQ	+25.7pp	50.0%	70.2%	41.4%	93%
1-4 Family	1.7% -0.7pp YoY -0.2pp QoQ	-24.8pp	26.4%	19.5%	31.3%	3%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	0.1%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	21.5%	19.7%	n/a
Leverage Ratio	13.2% -2.1pp YoY -0.9pp QoQ	+1.9pp	11.3%	13.6%	12.6%	86%
Total Capital Ratio	n/a	n/a	16.7%	22.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Full-Time Employees	99 +7 (+7.6%) YoY +2 (+2.1%) QoQ	-215	313	86	482	7%
Assets per Employee ($)	$15.8M +16.5% YoY +7.4% QoQ	+$5.3M	$10.5M	$10.6M	$8.8M	91%
Branch Count	4 0 YoY 0 QoQ	-16	20	4	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	1.6%	0.4%	n/a
Nonaccrual	1.0% +0.6pp YoY -0.1pp QoQ	+0.2pp	0.8%	2.8%	1.0%	74%
Allowance Coverage	0.97x -56.5% YoY +16.6% QoQ	-17.74x	18.71x	0.65x	20.23x	22%
Net Charge-off Rate (YTD)	0.1% 0.0pp QoQ	-0.2pp	0.3%	0.7%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (DC)	National Avg	Tier Percentile
ROE	2.5% +4.1pp YoY -0.1pp QoQ	-10.1pp	12.6%	3.7%	11.6%	3%
Cost of Funds (YTD)	2.2% 0.0pp YoY +0.1pp QoQ	+0.3pp	1.9%	1.7%	1.7%	74%
Net Income ($, YTD)	$2.3M +244.8% YoY — QoQ	-$16.9M	$19.2M	$1.7M	$40.4M	4%

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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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

850

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.39%

#850 of 885 Bottom 4.1% in $1B-$10B

828

Net Interest Margin

profitability

Value: 2.67%

Peer Median: 3.87%

#828 of 885 Bottom 6.6% in $1B-$10B

811

Non-Interest-Bearing Deposit Share

funding

Value: 8.53%

Peer Median: 21.27%

#811 of 885 Bottom 8.5% in $1B-$10B

798

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.53%

#798 of 885 Bottom 9.9% in $1B-$10B

774

Efficiency Ratio

profitability

Value: 74.84%

Peer Median: 59.73%

#774 of 885 Bottom 12.7% in $1B-$10B