First Intercontinental Bank
Doraville, GA · Cert 34998 · Peer group: banks $1B-$10B in assets operating regionally (n=174)
FDIC · 10 branches
Q3 2025
$1.2BAssets
$1.1BLoans
$917.8MDeposits
$149.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of banks $1B-$10B in assets operating regionally (rank 13 of 174).
- Widest gap: nonperforming loans / loans trails 60% of banks $1B-$10B in assets operating regionally (rank 106 of 174).
- Overall: at or above the peer median on 7 of 10 directional measures.
Return on Assets
1.66%
Rank 21 of 174
Net Interest Margin
4.26%
Rank 16 of 174
Efficiency Ratio
48.32%
Rank 17 of 174
Equity / Assets
12.00%
Rank 35 of 174
Non-interest income vs. expense
Unfavorable gap of $21.5M · efficiency ratio beats 91% 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 | 1.66% | 0.81% | 1.08% | 1.39% | Beats 88% | 21 / 174 | |
| Return on Equity | 13.82% | 8.55% | 10.86% | 13.60% | Beats 78% | 38 / 174 | |
| Net Interest Margin | 4.26% | 2.90% | 3.35% | 3.74% | Beats 91% | 16 / 174 | |
| Efficiency Ratio | 48.32% | 53.74% | 60.54% | 68.04% | Beats 91% | 17 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.29% | 0.55% | 1.00% | Beats 40% | 106 / 174 | |
| Net Charge-Offs / Loans | 0.09% | 0.02% | 0.06% | 0.17% | Beats 41% | 104 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 17.90% | 11.17% | 12.51% | 14.08% | Beats 93% | 13 / 174 | |
| Total Risk-Based Capital Ratio | 19.15% | 12.03% | 13.65% | 15.16% | Beats 93% | 12 / 174 | |
| Equity / Assets | 12.00% | 9.00% | 10.19% | 11.58% | Beats 80% | 35 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 114.41% | 81.52% | 88.01% | 96.28% | 98th pctl | 3 / 174 | |
| Loans / Assets | 84.48% | 68.61% | 74.60% | 80.06% | 93rd pctl | 13 / 174 | |
| Brokered Deposits / Deposits | 3.27% | n/a | 2.76% | 7.08% | Beats 45% | 96 / 174 | |