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Overview / Commentary
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 95th largest bank in the state of Florida. It is also the 3,076th 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.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First City Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #16748
Year Established1948
Employees45
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.53%
Return on Equity - YTD-18.95%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$188.4MM$202.1MM
LoansQ4 2017vs Q4 2016$115.0MM$124.4MM
DepositsQ4 2017vs Q4 2016$173.0MM$185.8MM
Equity CapitalQ4 2017vs Q4 2016$5.0MM$6.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.7MM$3.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$12.8MM$10.4MM
Real Estate OwnedQ4 2017vs Q4 2016$22.3MM$23.6MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Relationship Savings
0.25%--First Savings

First City Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$50k*-City Club Relationship Checking
OTHER TIERS: 0.50% Up to $50k

First City Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Florida135 Perry Avenue, S.E.Fort Walton Beach, FL 32548
Destin Branch363 East U.S. Highway 98Destin, FL 32541

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