Built to Make Banking Local. Again.

First City Bank is a bank where we know your name, where decisions are local, and relationships are personal.

Meet First City Bank

Every business owner in North Fulton has watched a bank they trusted get acquired, rebranded, and restructured. It’s time to have a relationship bank back in town.

First City Bank was established by local business owners to serve local businesses and their employees.

First City Bank opened on May 15, 2026, backed by nearly 200 local investors. Our community is our strength, it’s our referral network, and its proof that our community wants a bank built to serve the people who live here.

This isn’t a branch that moved into town. It was built here, by the people who live here.

Let's talk today.

We're ready to understand your banking needs and how we can help you grow.

Meet Our Team

These bankers know this community and many of the businesses in it.

The First City executive team brings deep banking experience and a real understanding of what this market has been missing. Bob Koncerak, President and CEO, has served in several executive banking roles throughout his career. Erik Bykat has worked as a North Fulton commercial lender for more than 20 years, and Chris Acker is helping build his third de novo bank. Scott Doll, our Experience Officer, brings broad experience in relationships, leadership, and customer experience. Together, they are committed to bringing First City Bank’s brand promise to life.

Bob Koncerak

President & CEO

Erik Bykat

EVP & Chief Lending Officer

Chris Acker

EVP & Chief Operating Officer

Scott Doll

SVP & Experience Officer

We’d like to meet you

If you’d like to learn more about First City Bank, meet the team, or start a banking relationship, we’d be glad to talk.