First City Bank

First City Bank is a currently active agricultural specialization banking institution headquartered in Alpharetta, Georgia. Established in 07/02/1945, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First City Bank manages $23.9M in total assets and holds $20.8M in customer deposits. When evaluating the stability of First City Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 11.62%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is -1.83%, while its Return on Equity (ROE) sits at -15.60%. These figures yield a lower health score of 4.0 out of 10, indicating potential areas for operational improvement and tighter capital management.