Bank · FDIC insured
First City Bank
A $23M bank headquartered in Alpharetta, GA, with 1 branch in Georgia. Best rates: CDs 4.25% and savings 2.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.25%CD rates →
- Savings933.35%3.50% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First City Bank
First City Bank opened on May 15, 2026, established by local business owners to serve local businesses and their employees.
Backed by nearly 200 local investors, the bank operates in Alpharetta, Georgia, focusing on serving the North Fulton community.
- Headquarters
- 21 N Main St, Alpharetta, GA 30009
- FDIC certificate
- 16281 ↗
Branches
1 branch in Georgia
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Georgia
1 branch
- First City BankMain office21 N Main St, Alpharetta, GA 30009Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 194.25% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | -3.05% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $669 | $67 | — |
- CapitalLeverage ratio194.25%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets-3.05%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$669Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First City Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.