First City Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	5-year CD	60 Month CD 2.50% - Ally Bank High Yield 5 Year CD
1.35%	1-year CD	12-17 Month CD 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.25%	Savings	First Savings 1.30% - Nationwide Bank Online Savings Account

View all First City Bank rates »

Overview / Commentary

www.firstcitybank.com

850-244-5151

135 Perry Avenue, S.E.
Fort Walton Beach, FL 32548

First City Bank is headquartered in Fort Walton Beac and is the 95^th largest bank in the state of Florida. It is also the 3,076^th largest bank in the nation. It was established in 1948 and as of December of 2017, it had grown to 45 employees at 2 locations. First City Bank's money market rates are 2X the national average, but it has a F health rating.

Overall
FDIC Certificate #	16748
Year Established	1948
Employees	45
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.53%
Return on Equity - YTD	-18.95%
Annual Interest Income	$6.2MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$188.4MM$202.1MM
Loans	Q4 2017vs Q4 2016	$115.0MM$124.4MM
Deposits	Q4 2017vs Q4 2016	$173.0MM$185.8MM
Equity Capital	Q4 2017vs Q4 2016	$5.0MM$6.0MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$2.7MM$3.0MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$12.8MM$10.4MM
Real Estate Owned	Q4 2017vs Q4 2016	$22.3MM$23.6MM

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First City Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Relationship Savings
0.25%	-	-	First Savings

First City Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$100k^*	-	Money Market
OTHER TIERS: 0.15% → Up to $2,500 \| 0.25% → $2,500 - $10k \| 0.50% → $10k - $25k \| 0.75% → $25k - $100k

First City Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$50k^*	-	City Club Relationship Checking
OTHER TIERS: 0.50% → Up to $50k

First City Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	24-29 Month CD
1.50%	$1k	-	60 Month CD
1.45%	$1k	-	18-23 Month CD
1.45%	$1k	-	48-59 Month CD
1.35%	$1k	-	12-17 Month CD
1.35%	$1k	-	30-35 Month CD
1.35%	$1k	-	36-47 Month CD
1.00%	$1k	-	180-364 Day CD
0.50%	$1k	-	90-179 Day CD
0.26%	$1k	-	30-89 Day CD

First City Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	-	-	24 Month Fixed-Rate IRA
1.10%	-	-	12 Month Variable IRA
1.10%	-	-	12 Month Fixed-Rate IRA

Locations

First City Bank Locations
First City Bank Of Florida	135 Perry Avenue, S.E.	Fort Walton Beach, FL 32548
Destin Branch	363 East U.S. Highway 98	Destin, FL 32541

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