FDIC Cert #34352 · Washington, District Of Columbia · Est. 1998

City First Bank, National Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.3B
Total assets
C
Health grade · Fair
-1.85%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

City First Bank, National Association earns a PlainBankData health grade of C (51/100), with well-capitalized at 14.09% Tier 1, -1.85% ROA, 86% efficiency ratio.

#823
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
14.09%
Tier 1 ratio - above the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 34352 · DC C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4104/4307
  • PHOTO-FINISH Peoples Bank · IN
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 5.7% Texas
  • ROA-LOSS -1.85% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside District Of Columbia: Peoples Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around City First Bank

Lowest and highest poles plus nearest scored peers outside District Of Columbia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100City First Bank, Nat… · DC ·…51/100First Fed Bank · WA · near51/100First Federal Saving… · IL ·…51/100First Federal Saving… · OH ·…51/100Peoples Bank · IN · near51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around City First Bank · July 2026

Plate reading for City First Bank where failures stay rare

City First Bank, National Association (FDIC Cert #34352) carries a PlainBankData health grade of C at 51/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,104 of 4,307. Tier 1 capital prints at 14.09%, clearing the 10% well-capitalized line. The Texas Ratio is 5.68%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.85%. Balance-sheet scale is $1.3B, 823rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around City First Bank

Zero FAILURE resolutions in District Of Columbia since 2000

City First Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • CITY NATIONAL BANK OF WASHINGTON WASHINGTON, DC 1993 → CRESTAR BANK NATIONAL AS
  • METROPOLITAN BANK, N.A. WASHINGTON, DC 1992 → ADAMS NATIONAL BANK
  • THEODORE ROOSEVELT NATIONAL BANK WASHINGTON, DC 1992 → INDUSTRIAL BANK OF WA

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and District Of Columbia banks.

How City First Bank, National Association's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
City First Bank, National Association's composite health score
Tier 1 Capital Ratio (14.09%) 35/40
Return on Assets (ROA) (-1.85%) 0/25
Texas Ratio (5.68%) 16/20
Efficiency Ratio (86.34%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$988M

Customer-funded liabilities

Net Loans

$1.0B

Outstanding loan book

Net Income

$-24,165K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.69% 14.09% 15.49%
Basel III capital ratios - City First Bank, National Association

Where City First Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. City First Bank, National Association's score of 51/100 falls in the highlighted band.

City First Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. City First Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

City First Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). City First Bank, National Association's $1.3B falls in the highlighted band.

Safety metrics: City First Bank

Tier 1 capital ratio
Well-capitalized 10%

14.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.09%
Texas Ratio
5.68%
Equity Capital
$187M

What these ratios mean →

Profitability metrics: City First Bank

Return on Assets (ROA)
1st percentile nationally
-1.85%
Return on Equity (ROE)
-12.20%
Efficiency Ratio
86.34%

What these mean →

Income & expense: loss period at City First Bank

$61M
Interest Income
$2M
Non-Interest Income
$56M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. City First Bank, National Association reports a Texas Ratio of 5.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at City First Bank, National Association

City First Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-24,165K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at City First Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View City First Bank, National Association on FDIC BankFind →

Top banks in District Of Columbia by total assets

Largest banks headquartered in District Of Columbia
  1. 1
    City First Bank $1.3B

    Washington, DC · Grade C

  2. 2
    Industrial Bank $773M

    Washington, DC · Grade C

  3. 3
    The National Capital Bank of Washingt… $763M

    Washington, DC · Grade A

  4. 4
    Founders Bank $357M

    Washington, DC · Grade B

Top 5 banks in District Of Columbia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside District Of Columbia so the neighborhood is not state containment.

Independence Bank $1.3B · MT Savings Bank of Mendocino County $1.3B · CA State Bank of India (California) $1.3B · CA Adams Bank & Trust $1.3B · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) City First Bank, National Association (FDIC Cert #34352) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

City First Bank, National Association Call Report profile · FDIC Failed Bank List · District Of Columbia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in District Of Columbia

All District Of Columbia banks →
BankAssetsGradeROA
Industrial BankWashington $773M C -0.09%
The National Capital Bank of WashingtonWashington $763M A 1.05%
Founders BankWashington $357M B 0.55%