# CITY FIRST BANK NA
WASHINGTON, DC · FDIC certificate 34352 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.56B | |
| Deposits | $1.18B | |
| Loans and leases | $1.14B | |
| Total equity | $188.6M | |
| Loans / deposits | 95.25% (p75 of band) | 87.10% |
| Liquid assets / assets | 24.07% (p61 of band) | |
| Uninsured deposits / deposits | 47.85% (p89 of band) | 30.76% |
| Brokered deposits | 11.94% | |
| Wholesale funding | 23.20% (p92 of band) | |
| FHLB advances / assets | 6.02% | |
| Tier 1 leverage | 13.20% (p86 of band) | 10.50% |
| Unrealized securities loss / equity | -5.65% (p60 of band) | -7.75% |
| AOCI / equity | -0.80% (p23 of band) | |
| ROA (annualized) | 0.32% (p5 of band) | 1.26% |
| Net interest margin | 2.67% (p7 of band) | 3.70% |
| Efficiency ratio | 74.84% (p87 of band) | |
| Noncurrent loans | 0.98% (p73 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 96.74% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 48.00% (p50 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 35.9% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 4 | charge-offs p90 | capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 | capital falling | charge-offs p90 |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 4 | noncurrent p90 |  |
| 2013-09 | 3 |  | noncurrent p90 |
| 2013-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 5 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2014-06 | 5 | construction >100% equity, deposits shrinking | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 4 |  | deposits shrinking |
| 2014-12 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2015-03 | 6 |  |  |
| 2015-06 | 7 | capital falling |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 4 |  | construction >100% equity, charge-offs p90, capital falling |
| 2016-03 | 5 | charge-offs p90 |  |
| 2016-06 | 5 | deposits shrinking | charge-offs p90 |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 | capital falling | deposits shrinking |
| 2017-03 | 7 | losing money, expense ratio p90 |  |
| 2017-06 | 5 |  | losing money, expense ratio p90 |
| 2017-09 | 6 | expense ratio p90 |  |
| 2017-12 | 5 |  | capital falling |
| 2018-03 | 4 |  | noncurrent p90 |
| 2018-06 | 6 | capital falling, losing money |  |
| 2018-09 | 5 | uninsured deposits leaving | capital falling, losing money |
| 2018-12 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 2 |  | expense ratio p90 |
| 2019-12 | 3 | uninsured deposits leaving |  |
| 2020-03 | 7 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2020-06 | 6 | NIM <2.5%, reserve under noncurrent | losing money, deposits shrinking, assets shrinking |
| 2020-09 | 4 |  | uninsured deposits leaving, NIM <2.5% |
| 2020-12 | 5 | capital falling |  |
| 2021-03 | 6 | losing money, NIM <2.5% | reserve under noncurrent |
| 2021-06 | 3 |  | brokered >10%, capital falling, NIM <2.5% |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | capital falling |  |
| 2022-03 | 3 | brokered >10%, uninsured deposits leaving | expense ratio p90, losing money, capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | brokered >10%, uninsured deposits leaving |
| 2023-03 | 3 | loans exceed deposits, deposits shrinking |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 5 | expense ratio p90 |  |
| 2023-12 | 3 |  | deposits shrinking, expense ratio p90 |
| 2024-03 | 6 | losing money, expense ratio p90, NIM <2.5% |  |
| 2024-06 | 4 |  | capital falling, losing money |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | brokered >10% |  |
| 2025-03 | 6 | losing money, assets shrinking | NIM <2.5% |
| 2025-06 | 6 |  |  |
| 2025-09 | 6 | reserve under noncurrent | assets shrinking |
| 2025-12 | 7 | capital falling |  |
| 2026-03 | 5 |  | loans exceed deposits, losing money |
| 2026-06 | 4 |  | expense ratio p90 |

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

- 2022-03-04 [Ethical Banking: What Are Socially Responsible Banks? - NerdWallet](https://news.google.com/rss/articles/CBMidkFVX3lxTE0yVTVlVzdPNHlfQUxfWXhYR1h0Nno0RjI1TWhXR3pzWmNqVzhueXlsMkNuQTU5NDlMVUxMRFRaeGpkWWFvNjQxcncyNlV5cm9rY2xJSldONnJxNEpDVHV2MGhfeVZqSXQ4a2t2Qi1jVW80OS1WeFE?oc=5) · NerdWallet

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34352 (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/48.json (key "34352", 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