City First Bank, National Association vs Sargent
Comparing a Bank in Washington, DC with a Credit Union in Washington, DC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| City First Bank, National Association ↗ Bank · Washington, DC · Est. 1998 | Sargent ↗ Credit Union · Washington, DC · Est. 1954 | |
|---|---|---|
| Trust Grade | A · 93/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Washington, DC | Washington, DC |
| Total assets | $1.4B | $267,979 |
| Capital ratio | 13.2% | 15.2% |
| Return on assets | 0.4% | 1.3% |
| Deposits | $1.1B | — |
| Branches | 4 | 391 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 4 | #1 of 27 |
| Established | 1998 | 1954 |
City First Bank, National Association
- Assets: $1.4B
- Deposits: $1.1B
- Capital ratio: 13.2%
- Return on assets: 0.4%
- CFPB complaints: 0
- State rank: #3 of 4
Sargent
- Assets: $267,979
- Members: 391
- Capital ratio: 15.2%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 27
Are both institutions federally insured?
Yes. City First Bank, National Association is FDIC-insured and Sargent is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, City First Bank, National Association or Sargent?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Sargent scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is City First Bank, National Association safe?
Yes — City First Bank, National Association is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (93/100), reflecting its financial strength and complaint history relative to peers.
Is Sargent safe?
Yes — Sargent is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of City First Bank, National Association vs Sargent?
City First Bank, National Association has a capital ratio of 13.2%, placing it in the top 14% of $1B–10B peers. Sargent's ratio is 15.2%, placing it in the top 43% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does City First Bank, National Association have compared to Sargent?
The CFPB database shows 0 complaints against City First Bank, National Association, and 0 complaints against Sargent. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare City First Bank, National Association with other Banks in District of Columbia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
