# FIRST CITY BANK
COLUMBUS, OH · FDIC certificate 741 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**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 | $58.4M | |
| Deposits | $49.1M | |
| Loans and leases | $51.4M | |
| Total equity | $8.7M | |
| Loans / deposits | 103.27% (p96 of band) | 63.45% |
| Liquid assets / assets | 11.23% (p4 of band) | |
| Uninsured deposits / deposits | 11.50% (p16 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.29% (p81 of band) | 10.74% |
| Unrealized securities loss / equity | -1.00% (p90 of band) | -26.93% |
| AOCI / equity | -0.35% (p84 of band) | |
| ROA (annualized) | 0.78% (p42 of band) | 0.89% |
| Net interest margin | 4.48% (p95 of band) | 3.22% |
| Efficiency ratio | 85.40% (p84 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p8 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 | -18.5% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 | reserve under noncurrent | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 | deposits shrinking | charge-offs p90 |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | assets shrinking, deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | expense ratio p90, assets shrinking |  |
| 2016-06 | 4 | loans exceed deposits, deposits shrinking |  |
| 2016-09 | 1 |  | assets shrinking, loans exceed deposits, deposits shrinking |
| 2016-12 | 4 | loans exceed deposits, liquid assets <10%, capital falling, uninsured deposits leaving | expense ratio p90 |
| 2017-03 | 3 |  | uninsured deposits leaving |
| 2017-06 | 2 |  | liquid assets <10% |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 2 | loans exceed deposits |  |
| 2018-03 | 1 |  | loans exceed deposits |
| 2018-06 | 1 | loans exceed deposits | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | capital falling | loans exceed deposits |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-06 | 2 | loans exceed deposits, capital falling |  |
| 2020-09 | 2 | liquid assets <10% | capital falling |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 1 | capital falling | loans exceed deposits |
| 2021-06 | 2 | assets shrinking |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | capital falling, assets shrinking |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-09 | 4 | loans exceed deposits |  |

## 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
- 2020-10-20 [First City Bank of Florida is forced to close its doors - nwfdailynews.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNQlFRVlBNZzlNV29SaGNOa3dWVnVfM3VaVG9rMDBoVDhlQ3ZiNmF3Z2RWUjV4ZGppbkkydUlwRnVERERxTGlfdFVRdjJtVlBObzdoS0w2NFptRjZBMkg5czJtajRiY1ZScWI2T204YVpjVXlUYzNPM3QwdUZNLXc2QVdjZjdSSkhEYV9CLUZWRkdQRjd3RlBMSWJDVllQMXZZRWF1MzI2QVJUUzM2bzJlNWpSdjFxazhIeXc?oc=5) · nwfdailynews.com
- 2020-01-16 [Beach Community buying First City in Florida through bankruptcy process - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOMjdDTmRkdGFNVjdYNmE4N25EUXFPbjMyVnNfOGtweEFZZmFYbVcxZmsyTzFyaFMxSkc0UGJxSWZjNTBkbHRJZ0ZXNUozUXluWG5ySTZSQVVabFpPWWJuVGJzTDhHempDckZ6RzRpWl9xZHd5WnFoNzVFRWNNcHNiOVFTV1Y2eWItVEcteVU5VlhrbUh1TjlSS1pfMUdoQUkxdXY0dzEyUEU3RTQ?oc=5) · American Banker
- 2025-12-05 [Craig Sutton Obituary (1944 - 2025) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNVXRRRVQ4TjlOLTVYa0NPNmhJWmpPdlZ2bThZMFFaN1J0ZlBlWmJlNllldmliZTBjY0VVZDB1eTJzZ2h3QnlvMUtFQkR3WHEwSmd3RWFIS3hGMTFmMGZLdnhBTDdEWUpiZ1c4XzYzYVZ2c2NmQzJhLUM2MzlkbVJ2S1o4Y1pEMjBGOHhFMXZ6bDBjZkYzX2p2UC1MNEFRbFVO?oc=5) · Dallas News
- 2022-02-09 [Regional Driver’s License Office opening in old First City Bank building - Hoptown Chronicle](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZzZmdjdqRDhoMkxZMDNtVV9kVUFGLUpnbmV1OVdBeWNESmE5MUVxSzhyVGk4cHl6Y1F3Z3htMk1sOEI1TmptX1U4ZHViNTk3R1Z0OHpVWFRKbUx1Vzg2STJqM0RtenJDWV9GQjBuZlZaNjZvVlZDYzJHejZTNEx1OHZIaHl3d2NwU0tiRlNKYmw0TmRnYkVWem5nc19ZSzBkTTdj?oc=5) · Hoptown Chronicle
- 2020-10-16 [Regulators close Florida bank in third failure of 2020 - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRE1nRmstT1FKTmtKQkhXMW51XzhVV3FpUVlweEtKVWNqcmkxanJ0cXhhOTV1dkpMMmVPRDM5N3dFclA2SXNYR05uVlNubjNfNThYZXA0b0trREpqbjZpZ1ZRYXFuVWxzY21LSkl3MTMtaFl6dFB0V21YakVjRWl1c3NMbjZsc0dPWlhXQ3psVkpacE5X?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=741 (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/37.json (key "741", 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.

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