Headquartered in Alpharetta, Georgia, First City Bank is a state-chartered bank with $23.0M in total assets and $1.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1945.
Based on its Q2 2026 filing, First City Bank scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 74th. Its strongest component is capital cushion (100/100; 194.25%), and its lowest is earnings (0/100; -3.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (63 → 73), mostly because the funding & liquidity component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 61 |
| Q4 2024 | 64 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 57 |
| Q1 2026 | 56 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.59% |
| Q3 2024 | 8.65% |
| Q4 2024 | 9.11% |
| Q1 2025 | 9.49% |
| Q2 2025 | 10.60% |
| Q3 2025 | 9.85% |
| Q4 2025 | 9.29% |
| Q1 2026 | 9.22% |
| Q2 2026 | 194.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.17% |
| Q3 2024 | -0.20% |
| Q4 2024 | -0.28% |
| Q1 2025 | -1.09% |
| Q2 2025 | -1.43% |
| Q3 2025 | -1.42% |
| Q4 2025 | -1.51% |
| Q1 2026 | -1.83% |
| Q2 2026 | -3.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $23.0M | 194.25% | 0.00% | -3.05% | 660.4% |
| Q1 2026 | 56 | $23.9M | 9.22% | 0.72% | -1.83% | 43.9% |
| Q4 2025 | 57 | $25.0M | 9.29% | 0.70% | -1.51% | 41.0% |
| Q3 2025 | 62 | $25.4M | 9.85% | 0.33% | -1.42% | 38.0% |
| Q2 2025 | 63 | $23.8M | 10.60% | 0.47% | -1.43% | 43.4% |
| Q1 2025 | 63 | $25.4M | 9.49% | 0.02% | -1.09% | 42.5% |
| Q4 2024 | 64 | $29.1M | 9.11% | 0.00% | -0.28% | 39.6% |
| Q3 2024 | 61 | $30.5M | 8.65% | 0.00% | -0.20% | 43.1% |
| Q2 2024 | 65 | $28.7M | 9.59% | 0.00% | -0.17% | 51.1% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Trust BankBank Lenox, GA | 86 out of 100, Very strong | $47.0M | 16.2% | 1.36% | vs |
| Talbot State BankBank Woodland, GA | 30 out of 100, Low | $51.7M | 7.8% | 2.35% | vs |
| The Security State BankBank Mcrae, GA | 91 out of 100, Very strong | $70.5M | 14.1% | 0.59% | vs |
| Apex Banking Company of GeorgiaBank Cleveland, GA | 70 out of 100, Strong | $72.6M | 9.7% | 0.03% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
Deposit insurance
Is my money safe at First City Bank?
Yes. First City Bank is an FDIC-insured institution (FDIC certificate #16281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 0.0% of deposits ($0) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 194.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
First City Bank lists 1 office in 1 city. Most locations:
- Alpharetta, GA (1)
Identity & history
Profile
- Legal name
- First City Bank
- Former names
- Bank of Lumber City
- Type
- State-chartered bank
- FDIC certificate #
- 16281
- RSSD ID
- 6125996
- Primary regulator
- FDIC
- Established
- July 2, 1945
- Headquarters
- 21 N Main St, Alpharetta, GA 30009
- Website
- www.firstcitybankga.com
- Employees
- 14
Quick answers
First City Bank: common questions
Is First City Bank FDIC insured?
Yes. First City Bank is an FDIC-insured institution (FDIC certificate #16281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First City Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First City Bank ever failed?
There is no failure record for FDIC certificate #16281 in the FDIC failed bank list.
How many branches does First City Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Alpharetta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |