Washington, DC · Cert 34352 · City First Enterprises Inc.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
46
Profitability
3
Liquidity
51
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Washington, DC · Cert 34352 · City First Enterprises Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.3% share · #27 of 71 inst. · $0.9B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.18% | -0.78% | -0.25% | -2.56% | -1.85% | 0.36% | 0.32% | +58 bps | |
| Return on Equity | 0.70% | 1.20% | -4.93% | -1.57% | -16.49% | -12.19% | 2.63% | 2.50% | +407 bps | |
| Net Interest Margin | 2.33% | 2.28% | 2.54% | 2.58% | 2.49% | 2.43% | 2.63% | 2.51% | -7 bps | |
| Efficiency Ratio | 88.12% | 86.56% | 118.89% | 104.08% | 88.32% | 86.34% | 81.17% | 74.84% | -2,924 bps | |
| Non-Interest Burden | 2.03% | 1.94% | 3.00% | 2.65% | 4.85% | 4.01% | 2.12% | 1.84% | -81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.62% | -3.11% | -8.28% | -8.92% | -2.66% | 0.85% | 13.33% | 25.38% | +3,430 bps | |
| Loan Growth (YoY) | 15.80% | 13.57% | 7.26% | 4.24% | 4.94% | 1.75% | 6.68% | 15.24% | +1,100 bps | |
| Deposit Growth (YoY) | -0.45% | 7.69% | 9.66% | 13.65% | 22.75% | 20.67% | 34.59% | 35.93% | +2,228 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.09% | 0.45% | 0.43% | 1.09% | 1.07% | 0.98% | +53 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.12% | 0.01% | 0.06% | +6 bps | |
| Allowance / Loans | 0.87% | 0.83% | 1.02% | 1.00% | 0.94% | 0.92% | 0.89% | 0.95% | -5 bps | |
| Allowance Coverage of NPLs | 29.3x | 31.7x | 11.9x | 2.2x | 2.2x | 0.8x | 0.8x | 1.0x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.84% | 13.61% | 14.78% | 15.34% | 14.60% | 14.09% | 14.06% | 13.20% | -214 bps | |
| Total Risk-Based Capital | 13.84% | 13.61% | 14.78% | 15.34% | 14.60% | 14.09% | 14.06% | 13.20% | -214 bps | |
| Equity / Assets | 15.05% | 15.43% | 16.33% | 16.64% | 13.91% | 13.92% | 13.18% | 12.06% | -457 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.21% | 123.18% | 118.04% | 113.43% | 111.32% | 103.87% | 93.56% | 96.16% | -1,727 bps | |
| Liquid Assets / Assets | 6.92% | 4.39% | 1.04% | 2.15% | 1.31% | 0.58% | 1.70% | 2.94% | +79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 452% | 442% | 433% | n/a | n/a | |
Washington, DC · Cert 34352 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · City First Enterprises Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
0.30%
Rank 171 of 176
Net Interest Margin
2.51%
Rank 171 of 176
Efficiency Ratio
75.60%
Rank 156 of 176
Equity / Assets
12.06%
Rank 39 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.93% | 1.26% | 1.54% | Beats 3% | 171 / 176 | ||
| Return on Equity | 2.49% | 9.26% | 11.89% | 14.46% | Beats 3% | 171 / 176 | ||
| Net Interest Margin | 2.51% | 3.25% | 3.59% | 3.93% | Beats 3% | 171 / 176 | ||
| Efficiency Ratio | 75.60% | 52.79% | 59.55% | 67.66% | Beats 12% | 156 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.30% | 0.64% | 1.32% | Beats 34% | 117 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 57% | 76 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.20% | 11.15% | 12.72% | 14.15% | Beats 59% | 72 / 176 | ||
| Total Risk-Based Capital Ratio | 13.20% | 11.81% | 13.63% | 15.33% | Beats 44% | 98 / 176 | ||
| Equity / Assets | 12.06% | 9.16% | 10.35% | 11.80% | Beats 78% | 39 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.16% | 80.94% | 89.73% | 97.21% | 73rd pctl | 47 / 176 | ||
| Loans / Assets | 72.81% | 69.25% | 75.12% | 80.82% | 38th pctl | 109 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||