BanksCITY BANK

CITY BANK

LUBBOCK, TXLargeEst. April 13, 1984, midnightFDIC #25103RSSD #575254FDIC
Latest · 2025-12-31

CITY BANK is an 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%. CET1 capital ratio: 13.66%, well above regulatory minimums. NPL ratio: 0.22% · Texas Ratio: 1.70%. Operates 25 domestic branches.

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 Margin4.26%
Yield on Assets6.16%
Cost of Funds1.98%

Asset Quality

NPL Ratio0.22%
Net Charge-Off Ratio0.10%
Texas Ratio1.70%
NPA Ratio0.19%
ACL / Loans1.43%

Capital & Liquidity

CET1 Ratio13.66%
Tier 1 Capital13.66%
Total Capital Ratio14.91%
Leverage Ratio10.90%
Loan-to-Deposit79.78%

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