City First Bank, National Association
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
$1.6BAssets
$1.1BLoans
$1.2BDeposits
$188.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 78% of banks $1B-$10B in assets operating regionally (rank 39 of 176).
- Widest gap: net interest margin trails 97% of banks $1B-$10B in assets operating regionally (rank 171 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $27.2M · efficiency ratio beats 12% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |