CITY BANK & TRUST CO.

LINCOLN, NE | Small | Est. April 18, 1910, midnight | FDIC #5396 | RSSD #79855 | FDIC
Latest Report: 2025-12-31

CITY BANK & TRUST CO. is asn small FDIC-insured commercial bank headquartered in LINCOLN, NE, established in April 18, 1910, midnight. As of 2025-12-31, the bank reported total assets of $334M and total deposits of $288M. Profitability stands at 1.67% ROA and 15.87% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 10.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 4.57%. FDIC Certificate #5396.

Assets

$334M

Deposits

$288M

Loans

$303M

Equity

$35M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 15.87%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.30%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio 0.19%
Texas Ratio 4.57%
NPA Ratio 0.53%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 10.52%
Tier 1 Capital 10.52%
Total Capital Ratio 11.04%
Leverage Ratio 10.55%
Loan-to-Deposit 105.25%

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