First City Bank is a bank based in Alpharetta, Georgia, established in 1945, with $24 million in total assets across 1 branch. By Trust Grade it ranks 120th of 124 banks we track in Georgia. Its capital ratio of 11.6% trails most similarly sized banks (46th percentile), versus a Georgia median of 10.5%. It posted a loss over the most recent period (-1.83% return on assets), a point to watch. No consumer complaints against First City Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First City Bank compares to Georgia peers
How we graded First City Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Unprofitable over the period (ROA -1.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First City Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 21 N Main St, Alpharetta, GA 30009
Are deposits at First City Bank insured?
Yes. First City Bank is an FDIC-insured bank (FDIC certificate #16281). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First City Bank: frequently asked questions
Is First City Bank a good bank?
First City Bank earns a Bankzia Trust Grade of C (73/100, "Average"), based on a financial-strength score of 73/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Unprofitable over the period (ROA -1.83%).
Is First City Bank FDIC-insured?
Yes. First City Bank is a FDIC-insured bank (FDIC certificate #16281). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First City Bank?
First City Bank holds $24 million in total assets, ranking 120th of 124 banks we track in Georgia. It operates 1 branch.
Does First City Bank have CFPB complaints?
No CFPB complaints against First City Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
