CITY BANK

LUBBOCK, TX | Large | Est. April 13, 1984, midnight | FDIC #25103 | RSSD #575254 | FDIC
Latest Report: 2025-12-31

CITY BANK is aln large FDIC-insured commercial bank headquartered in LUBBOCK, TX, established in April 13, 1984, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $4.0B. Profitability stands at 1.49% ROA and 14.46% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 13.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.70%. FDIC Certificate #25103.

Assets

$4.5B

Deposits

$4.0B

Loans

$3.2B

Equity

$465M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 14.46%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.16%
Cost of Funds 3.01%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.70%
NPA Ratio 0.19%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 13.66%
Tier 1 Capital 13.66%
Total Capital Ratio 14.91%
Leverage Ratio 10.90%
Loan-to-Deposit 79.78%

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