CITY BANK & TRUST CO.
CITY BANK & TRUST CO. is an FDIC-insured commercial bank headquartered in NATCHITOCHES, LA, established in 1933. As of , the bank reported total assets of $382M and total deposits of $336M. Profitability stands at -0.26% ROA and -2.29% ROE, with a net interest margin of 4.34%. CET1 capital ratio: 17.44%, well above regulatory minimums. NPL ratio: 2.04% · Texas Ratio: 10.58%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
City Bank & Trust CO. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.44% | -0.26% | 2.04% | 10.58% | 4.34% |
| 2025-09-30 | 17.52% | 1.79% | 0.01% | 0.03% | 4.54% |
| 2025-06-30 | 17.94% | 1.81% | 0.01% | 0.04% | 4.53% |
| 2025-03-31 | 18.57% | 1.75% | 0.00% | 0.00% | 4.43% |
| 2024-12-31 | 17.37% | 1.55% | 0.00% | 0.00% | 4.31% |
| 2024-09-30 | 17.68% | 1.26% | 0.00% | 0.01% | 3.97% |
| 2024-06-30 | 17.41% | 1.32% | 0.00% | 0.02% | 3.96% |
| 2024-03-31 | 17.52% | 1.56% | 0.02% | 0.09% | 3.97% |
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Frequently asked about CITY BANK & TRUST CO.
What are City Bank & Trust CO.'s total assets?
As of the Q4 2025 filing, City Bank & Trust CO. reported total assets of $381.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is City Bank & Trust CO. headquartered?
City Bank & Trust CO. is headquartered in NATCHITOCHES, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was City Bank & Trust CO. founded?
City Bank & Trust CO. was established in 1933, per the FDIC institution directory.
Is City Bank & Trust CO. FDIC-insured?
Yes. City Bank & Trust CO. is an FDIC-insured commercial bank (FDIC Certificate #12608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City Bank & Trust CO.?
City Bank & Trust CO.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is City Bank & Trust CO.'s CET1 capital ratio?
City Bank & Trust CO. reported a Common Equity Tier 1 (CET1) capital ratio of 17.44% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does City Bank & Trust CO. operate?
City Bank & Trust CO. operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is City Bank & Trust CO.'s Texas Ratio?
City Bank & Trust CO.'s Texas Ratio is 10.58% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.