BlastPoint's Banking Scorecard
City First Bank, National Association
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Washington, DC
4 branches across CA · DC
City First Bank, National Association faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.2% in tier
- - NIB Deposit Bleed: Bottom 33.3% in tier
- - Return on Assets 1.01% below tier average
- - Net Interest Margin 1.09% below tier average
- - Efficiency Ratio 20.11% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
- - Delinquency Rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+13.3% YoY
+6.0% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$829.1M
+7.3% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$1.1B
+6.8% YoY
+4.2% QoQ
|
-$905.6M |
$2.0B
+0.6% YoY
|
$576.6M
+4.6% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$1.1B
+34.6% YoY
+15.6% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$679.0M
+12.7% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.36%
+145.5% YoY
+119.2% QoQ
|
-1.01% |
1.37%
+19.6% YoY
|
0.37%
+484.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.7% in tier |
| Net Interest Margin ? |
2.72%
+4.2% YoY
+2.2% QoQ
|
-1.09% |
3.82%
+6.9% YoY
|
3.54%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio ? |
81.17%
-31.7% YoY
-6.0% QoQ
|
+20.11% |
61.06%
-4.6% YoY
|
77.83%
-13.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate ? |
1.08%
-1.5% QoQ
|
+0.19% |
0.89%
+14.1% YoY
|
2.48%
+139.7% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
92.73%
-20.6% YoY
-9.9% QoQ
|
+8.52% |
84.20%
+0.3% YoY
|
85.31%
-6.0% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
8.60%
-22.8% YoY
-19.7% QoQ
|
-12.69% |
21.29%
-2.5% YoY
|
21.25%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.80%
-3.2% QoQ
|
+0.13% |
0.67%
+15.6% YoY
|
1.46%
+145.7% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.06%
-4.9% YoY
-0.2% QoQ
|
-1.10% |
15.16%
+2.0% YoY
|
17.47%
-1.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.04%
+80.8% YoY
-68.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.10%
+17.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.4% in tier |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.