City Bank
City Bank reported total assets of $5.4 bn at Q2 2026, up 23.5% on a year earlier, the 271st largest of 497 banks in our US coverage. The CET1 capital ratio at City Bank was 13.39%, and the uninsured share of City Bank was 36.70%. Source: FDIC Call Reports.
Key takeaways
- Since , City Bank has taken over 2 institutions; the latest was Bank of Houston on (FDIC Call Reports).
- On noncurrent loans to total loans, City Bank climbed from 150th to 85th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets City Bank apart
How large is City Bank?
The balance sheet of City Bank at : assets $5.4 bn, deposits $4.7 bn, net loans $3.7 bn (loans equal to 79.00% of deposits). Securities make up 10.3% of total assets at City Bank. Since , when City Bank held $2.5 bn, its assets grew 111.7%. In the year to , deposits at City Bank rose 22.6% while its total assets rose 23.5%. At , City Bank employed 614 full-time equivalent staff across 36 offices, about $8.8 mn of assets per employee and $131.2 mn of deposits per office.
How much funding at City Bank is uninsured?
At City Bank, uninsured deposits (above the FDIC limit) made up 36.70% of domestic deposits at (+2.23 pp on a year earlier); City Bank ranks 233rd of 500 on this measure. In dollars, City Bank estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.7 bn | +22.6% | 262nd of 499 |
| Net loans and leases | $3.7 bn | +21.5% | 270th of 500 |
| Loan-to-deposit ratio | 79.00% | -0.73 pp | 358th of 500 |
| Tier 1 leverage ratio | 10.79% | -0.09 pp | 195th of 500 |
| Total risk-based capital ratio | 14.50% | -0.31 pp | 211th of 448 |
| Net interest margin | 4.21% | +0.02 pp | 98th of 500 |
| Return on assets (ROA) | 1.52% | +0.13 pp | 146th of 500 |
| Efficiency ratio | 60.26% | -0.71 pp | 334th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $66.9 mn | Narrowed by $20.6 mn | |
| Noncurrent loans to total loans | 0.25% | -0.08 pp | 85th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.01 pp | 197th of 500 (1 = lowest) |
US rank of City Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
City Bank: assets, deposits and loans
- Total assets $5.4bn
- Deposits $4.7bn
- Net loans $3.7bn
Capital and securities
The CET1 ratio of City Bank stood at 13.39% in , -0.18 pp year on year. Low and high at City Bank since : 12.18% () to 15.03% (). Equity capital of City Bank at : $598.9 mn, or 11.1% of total assets. City Bank also reported a total capital ratio of 14.50% for , and a tier 1 leverage ratio of 10.79%.
The available-for-sale portfolio of City Bank showed an unrealized loss of $66.9 mn at ; the loss narrowed by $20.6 mn over the year.
City Bank: capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 11%
City Bank: unrealized securities gains and losses
- Available for sale -$67mn
- Held to maturity $0
Profitability and loan quality
For the year to , City Bank earned a return on equity of 14.40%; return on assets: 1.52%. Net interest margin at City Bank: 4.21%, +0.02 pp in a year. City Bank net income: $36.8 mn, up 21.8% year on year. The efficiency ratio of City Bank was 60.26%: about 60 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.25% of total loans at City Bank; net charge-offs: 0.05% of average loans. Gross loans and leases at City Bank: $3.8 bn, up 21.4% in a year.
City Bank: profitability
- Return on equity 14%
- Net interest margin 4.2%
- Return on assets 1.5%
Peer group of City Bank
The peer group of City Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of City Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, City Bank shows CET1 ratio 13.39% against a peer median of 13.16%, return on equity 14.40% against a peer median of 16.36% and uninsured deposit share 36.70% against a peer median of 30.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Broadway National Bank | National bank | TX | $5.4 bn | 16.72% | 20.65% | 40.29% | |
| Stride Bank | National bank | OK | $5.4 bn | 18.76% | 27.72% | 6.23% | |
| The Canandaigua National Bank and Trust Company | National bank | NY | $5.4 bn | 12.34% | 14.71% | 33.80% | |
| City Bank | State nonmember bank | TX | $5.4 bn | 13.39% | 14.40% | 36.70% | |
| Bridgewater Bank | State nonmember bank | MN | $5.4 bn | 12.73% | 11.37% | 26.16% | |
| Five Star Bank | State nonmember bank | CA | $5.4 bn | 11.11% | 15.97% | 59.15% | |
| Morton Community Bank | State nonmember bank | IL | $5.3 bn | 13.59% | 16.74% | 26.93% | |
. FDIC Call Reports.
Last eight quarters
Two years at City Bank, to : assets +24.3%, deposits +23.6%, equity +34.1%. Staff 565 to 614.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.3 bn | $4.2 bn | $4.4 bn | $4.4 bn | $4.5 bn | $4.5 bn | $4.6 bn | $5.4 bn |
| Total deposits | $3.8 bn | $3.7 bn | $3.9 bn | $3.9 bn | $4.0 bn | $4.0 bn | $4.1 bn | $4.7 bn |
| Bank equity capital | $446.7 mn | $437.0 mn | $440.1 mn | $443.7 mn | $458.4 mn | $465.1 mn | $468.4 mn | $598.9 mn |
| CET1 ratio | 13.36% | 13.48% | 13.49% | 13.57% | 13.86% | 13.66% | 13.79% | 13.39% |
| Return on equity (ROE) | 11.98% | 13.17% | 12.68% | 13.72% | 14.40% | 14.42% | 14.29% | 14.40% |
| Uninsured share of domestic deposits | 31.98% | 32.31% | 34.04% | 34.48% | 34.84% | 35.37% | 36.09% | 36.70% |
| Full-time equivalent employees | 565 | 569 | 572 | 571 | 572 | 572 | 562 | 614 |
| Number of offices | 36 | 35 | 35 | 34 | 34 | 34 | 34 | 36 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of City Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed West Texas State Bank (FDIC certificate 15466).
- . Absorbed Bank of Houston (FDIC certificate 3178).
Questions and identifiers
What were the total assets of City Bank?
City Bank reported $5.4 bn at in its Call Report. That makes City Bank the 271st largest of 497 banks in our US coverage.
Is City Bank the same as its holding company?
No. This page covers City Bank, FDIC certificate 25103; SOUTH PLAINS FINANCIAL INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is City Bank profitable?
City Bank reported net income of $36.8 mn for the year to ; annualized return on equity: 14.40%. So yes: City Bank made a profit over these months.
When is data for City Bank next updated?
Figures from City Bank for are due after .
Where can I check the figures for City Bank?
In the FDIC BankFind Suite record for certificate 25103, and in the Call Reports of City Bank (RSSD ID 575254) at the FFIEC Central Data Repository.