# FIRST CITY BANK
ALPHARETTA, GA · FDIC certificate 16281 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $23.0M | |
| Deposits | $1.1M | |
| Loans and leases | $7.3M | |
| Total equity | $21.7M | |
| Loans / deposits | 660.44% (p100 of band) | 73.59% |
| Liquid assets / assets | 64.50% (p91 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 194.25% (p100 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -3.05% (p2 of band) | 1.17% |
| Net interest margin | 1.49% (p1 of band) | 3.93% |
| Efficiency ratio | 293.75% (p99 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 3.22% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -94.7% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 4 | losing money, noncurrent p90, charge-offs p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 3 | capital falling | uninsured deposits leaving |
| 2012-09 | 3 |  |  |
| 2012-12 | 6 | losing money, expense ratio p90, charge-offs p90 |  |
| 2013-03 | 3 |  | noncurrent p90, losing money, expense ratio p90 |
| 2013-06 | 6 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2013-09 | 5 |  | uninsured deposits leaving |
| 2013-12 | 4 |  | noncurrent p90 |
| 2014-03 | 5 | losing money, uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 | capital falling | reserve under noncurrent, assets shrinking, losing money |
| 2014-09 | 1 |  | deposits shrinking, capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 4 | losing money, expense ratio p90 |  |
| 2015-09 | 2 | noncurrent p90 | capital falling, losing money, expense ratio p90 |
| 2015-12 | 3 | expense ratio p90, charge-offs p90, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 1 | capital falling | expense ratio p90, charge-offs p90, uninsured deposits leaving |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | expense ratio p90 |  |
| 2017-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 5 | losing money |  |
| 2018-06 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 1 |  | losing money, capital falling |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2019-12 | 1 | expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 1 | expense ratio p90 |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | expense ratio p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | uninsured deposits leaving | capital falling |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-09 | 3 | capital falling, NIM <2.5% | losing money, expense ratio p90, securities losses >30% of equity |
| 2022-12 | 3 | leverage <7% | AOCI drag >20% of equity |
| 2023-03 | 4 | losing money, expense ratio p90 | NIM <2.5% |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 | deposits shrinking | capital falling, leverage <7% |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 3 | uninsured deposits leaving |  |
| 2025-06 | 5 | deposits shrinking, assets shrinking |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 5 |  | deposits shrinking |
| 2026-06 | 5 | loans exceed deposits, NIM <2.5%, deposits shrinking | uninsured deposits leaving, assets shrinking, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-21 [Alpharetta community bank to tout personalized service - appenmedia.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOSDUxbDZLSkthcXZmY0hUR0FiNTY3M0owYzdPMG5SRVhKOGh3WGtmRVpMOFB1QW53eHNucnNGalFqeWZlaVktbGhpdkxRTGNUX2RUbDBZVGhUS3JIXzYwczRZcmRIRHc4bW9ybFNJcVp0dlRjaE5WTlZ2QjdITmhBbG12emJDaDhaUHJTWTR6SldkOFc2dUhmdndSbGItd0NNS1dlYWlwTGtSc21ucUppR3BXbVFmSnFJbHdURDQtOVJjb0Mxb0haSG9FV1RBUTNTZHBBZldDbjJKMFBCcEdXU04zRHY?oc=5) · appenmedia.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-10-19 [Regulators close Florida’s First City Bank, 2020’s 3rd bank failure - Banking Dive](https://news.google.com/rss/articles/CBMieEFVX3lxTE4xQ3pFQUFUZ2tBUjhJbVVYclQ0X0w2M3Jpd3FyMnU4dTdhY25jYmxFWmk3TE1uRlp2dlNJTW9YM3cxQmhoMVF2VXJTRjhMczg3Y1VYR0phT3RScElzMXRLVWpKN3laUl9xSUpCOGRuUGh4YkNyLUtQRQ?oc=5) · Banking Dive
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2025-12-05 [Craig Sutton Obituary (1944 - 2025) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVXRRRVQ4TjlOLTVYa0NPNmhJWmpPdlZ2bThZMFFaN1J0ZlBlWmJlNllldmliZTBjY0VVZDB1eTJzZ2h3QnlvMUtFQkR3WHEwSmd3RWFIS3hGMTFmMGZLdnhBTDdEWUpiZ1c4XzYzYVZ2c2NmQzJhLUM2MzlkbVJ2S1o4Y1pEMjBGOHhFMXZ6bDBjZkYzX2p2UC1MNEFRbFVO?oc=5) · Dallas News
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2024-05-22 [Betty DEWEES Obituary - Newport News, VA - Daily Press](https://news.google.com/rss/articles/CBMieEFVX3lxTFBiTUU2bm1idC10andOLWRMNklrYVBaLUlLV3IzdTU3Y0h6NVhFRk9BYjRyaVBJWDBkZEhkZ05KcGhmSTY1QklHREZucjFST3I3aDI4YlpNcEQ3S3R2MkMyRnRFakdVMkNaVEYyQWU0dkd3RGV1NDVHYg?oc=5) · Daily Press
- 2024-06-26 [Indiana’s United Fidelity Bank hit with Fed order - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZjRQclFJc184a0RtUFRDZUpfOTAxTVc0clA1V0EzbHJjd0FXdGZUREhIaVpHUV9xclpCTldOM3R5VHN0aDNmM1ZFazV2WERnZGkwN1RQNHd2czJfZDE5UzFZX0haRXNVSWhscGs1NXBFSnFneHJ3NEFCSGc3WjlGWjZXdFM1Q2dmb3o2cXZ6M0JLNUl6eHdvajZXdnE3eE5XYUdZM2szNnIxdlBSNkRDR0trMGNPZEtsclYtRV8xQXNwU08yd3Fr?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16281 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "16281", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide