BlastPoint's Banking Scorecard
City First Bank, National Association
Community
Specialty: Commercial
DC
FDIC cert 34352
Washington, DC
1484
banks in Community tier nationally
3 in DC
View Community leaderboard (DC) →
City First Bank, National Association has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 19.85% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4% in Community
- - Credit Risk Growth: Bottom 17% in Community
- - Capital Thin: Bottom 18% in Community
- - Liquidity Strain: Bottom 43% in Community
- - NIB Deposit Bleed: Bottom 59% in Community
- - Return on Assets 2.99% below tier
- - Net Interest Margin 0.97% below tier
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.6% YoY
+0.5% QoQ
|
-$49.8M |
$1.4B
+2.0% YoY
|
$808.9M
+3.0% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$1.0B
+1.7% YoY
+0.3% QoQ
|
+$41.1M |
$975.5M
+2.4% YoY
|
$563.7M
+3.3% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$987.8M
+20.7% YoY
+7.4% QoQ
|
-$176.8M |
$1.2B
+1.7% YoY
|
$641.5M
+8.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
-1.82%
+28.8% QoQ
|
-2.99% |
1.16%
+17.2% YoY
|
-0.08%
-115.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.69%
+9.5% YoY
+1.9% QoQ
|
-0.97% |
3.66%
+9.1% YoY
|
3.49%
+5.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
85.53%
-1.2% YoY
-3.2% QoQ
|
+22.90% |
62.63%
-5.3% YoY
|
78.50%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.33%
-24.0% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
2.27%
+111.3% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
102.91%
-15.8% YoY
-6.7% QoQ
|
+19.85% |
83.06%
+0.3% YoY
|
87.82%
-4.4% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.71%
-16.6% YoY
+4.2% QoQ
|
-10.33% |
21.05%
-0.9% YoY
|
20.86%
-11.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-24.2% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
1.32%
+116.2% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.31%
-1.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
+12.0% YoY
+63.6% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.34%
+7.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.91%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (8)
Efficiency Drag
risk
#7 of 152 · Bottom 4% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.53%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Credit Risk Growth
risk
#107 of 642 · Bottom 17% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#78 of 432 · Bottom 18% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#219 of 513 · Bottom 43% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.91%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#53 of 89 · Bottom 59% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
10.71%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.82%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.69%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.91% · Tier avg: 83.06%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
59
59th pctile
Total Deposits
Current: $987.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.71% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.66%
6
6th pctile
Efficiency Ratio
Current: 85.53% · Tier avg: 62.63%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
0
0th pctile
Return on Assets
Current: -1.82% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -1.82% · Tier avg: 1.16%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
6
6th pctile
Efficiency Ratio
Current: 85.53% · Tier avg: 62.63%
9
9th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.66%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.71% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
59
59th pctile
Total Deposits
Current: $987.8M · Tier avg: $1.2B
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.91% · Tier avg: 83.06%