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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

$6.2M$27.7MINCOMEEXPENSE
Unfavorable gap of $21.5M · efficiency ratio beats 91% of banks $1B-$10B in assets operating regionally
Bank 48.32%Peer median 60.5%Q4 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.66%0.81%1.08%1.39%Beats 88%21 / 174
Return on Equity13.82%8.55%10.86%13.60%Beats 78%38 / 174
Net Interest Margin4.26%2.90%3.35%3.74%Beats 91%16 / 174
Efficiency Ratio48.32%53.74%60.54%68.04%Beats 91%17 / 174
Asset Quality
Nonperforming Loans / Loans0.66%0.29%0.55%1.00%Beats 40%106 / 174
Net Charge-Offs / Loans0.09%0.02%0.06%0.17%Beats 41%104 / 174
Capital
Tier 1 Capital Ratio17.90%11.17%12.51%14.08%Beats 93%13 / 174
Total Risk-Based Capital Ratio19.15%12.03%13.65%15.16%Beats 93%12 / 174
Equity / Assets12.00%9.00%10.19%11.58%Beats 80%35 / 174
Liquidity & Funding
Loans / Deposits114.41%81.52%88.01%96.28%98th pctl3 / 174
Loans / Assets84.48%68.61%74.60%80.06%93rd pctl13 / 174
Brokered Deposits / Deposits3.27%n/a2.76%7.08%Beats 45%96 / 174n/a