City Bank
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Data as of · sourced from FFIEC call reports. How we update
City Bank is an FDIC-insured commercial bank headquartered in Lubbock, TX, established in 1984 (FDIC certificate 25103), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.39B, up 23.5% from Q2 2025, the 19th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25103
- Headquarters
- Lubbock, TX
- Established
- 1984
- Total assets, Q2 2026
- $5.39B
- Assets vs Q2 2025
- +23.5%
- CET1 ratio, Q2 2026
- 13.39%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 111301737
- Latest call report
- Q2 2026, FFIEC 041 · City Bank call report
- Holding company
- SOUTH PLAINS FINANCIAL, INC.
- Asset rank in state
- 19th of 346 in Texas
City Bank is growing quickly. It reported $5.4 billion in assets at June 30, 2026, up 23.5% from a year earlier. It grew its loan book 21.4% over the year, 3.6 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 23% from a year earlier, to $20 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $67 million equal 12% of Tier 1 capital, down from 18% a year earlier.
As of June 30, 2026, City Bank reported a CET1 capital ratio of 13.39%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, City Bank is the 19th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 16.0% to $5.39B, loans rose 21.2% and deposits rose 14.7%. Non-owner-occupied commercial real estate loans made up 20.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.2%. Its 27 offices in the FDIC Summary of Deposits are in 17 cities across 2 states; its Lubbock 7 offices book 52% of its branch deposits. On its Q2 2026 call report, City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5219 City Bank Pkwy, Lubbock, TX 79407
- County
- Lubbock
- Metro Area
- Lubbock, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 13, 1984
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 614
- Domestic deposits
- $4.72B
- Allowance for credit losses
- $53.1M
- Net charge-offs (YTD)
- $878K
- Average total assets
- $5.37B
- Average total loans
- $3.78B
- Average interest-bearing deposits
- $3.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 13, 1984
- FDIC Cert
- 25103
- Fed RSSD
- 575254
- SEC CIK
- 1163668 → filed by SOUTH PLAINS FINANCIAL, INC.
- Website
- www.city.bank →
- Parent Holding Company
- SOUTH PLAINS FINANCIAL, INC. (RSSD 2033226) · SPFI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Curtis C Griffith | CEO | Chairman and CEO |
| Cory T Newsom | PRES | President |
| Steven B Crockett | CFO | CFO and Treasurer |
| Paul A Ehlers | COO | COO - City Bank |
| Mikella D Newsom | CRO | Chief Risk Officer & Secretary |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, City Bank's total assets ran between $4.18B (Q3 2023) and $5.39B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.39B total assets against $4.36B; $4.79B total liabilities against $3.92B.
$3.73B net loans and leases against $3.07B; $4.72B total deposits against $3.85B.
$555.4M securities against $570.0M; $787.4M cash and balances due against $470.1M.
$75.0M total interest income against $64.1M; $23.8M total interest expense against $20.1M.
$51.2M net interest income against $44.1M.
$14.2M total noninterest income against $12.2M; $39.4M total noninterest expense against $32.9M.
$350K provision for credit losses against $2.5M.
$20.1M net income against $16.3M.
1.50% return on assets against 1.46%; 4.04% net interest margin against 4.18%.
13.39% CET1 capital ratio against 13.57%; 10.79% tier 1 leverage ratio against 10.88%.
Inside the full City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
City Bank rankings
Its closest position to the top of a national ranking is 267 of 4,196, for total assets; its furthest is 2,354 of 3,640, for Texas Ratio.
Banks merged into City Bank
- Bank of Houston, effective April 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q3 2024) to 1.66% (Q4 2024) and its net interest margin ran from 3.81% (Q3 2024) to 4.21% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.39% | 1.50% | 0.25% | 1.77% | 4.04% |
| Q1 2026 | 13.79% | 1.46% | 0.16% | 1.20% | 4.04% |
| Q4 2025 | 13.66% | 1.47% | 0.32% | 2.37% | 4.10% |
| Q3 2025 | 13.86% | 1.59% | 0.32% | 2.37% | 4.21% |
| Q2 2025 | 13.57% | 1.46% | 0.34% | 2.33% | 4.18% |
| Q1 2025 | 13.49% | 1.27% | 0.21% | 1.50% | 3.89% |
| Q4 2024 | 13.48% | 1.66% | 0.78% | 5.32% | 3.91% |
| Q3 2024 | 13.36% | 1.19% | 0.81% | 5.41% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| City Bank (main office) | Lubbock , TX | 79407 | $1.72B |
| Bank of Houston Branch | Houston , TX | 77027 | $472.6M |
| City Bank Forney Highway 80 Branch | Forney , TX | 75126 | $320.1M |
| City Bank-82Milwaukee Branch | Lubbock , TX | 79424 | $233.0M |
| Levelland Branch | Levelland , TX | 79336 | $214.4M |
| Midtown Branch | Ruidoso , NM | 88345 | $211.9M |
| El Paso Branch | El Paso , TX | 79932 | $182.1M |
| West Texas State Bank Branch | Odessa , TX | 79764 | $157.7M |
| 4th Street Branch | Lubbock , TX | 79416 | $130.8M |
| Lubbock Branch | Lubbock , TX | 79424 | $127.3M |
| Mckinnon Street Branch | Dallas , TX | 75201 | $101.9M |
| Lubbock Branch | Lubbock , TX | 79413 | $88.3M |
| University Branch | Lubbock , TX | 79423 | $79.2M |
| Plano Branch | Plano , TX | 75024 | $79.0M |
| Monahans Branch | Monahans , TX | 79756 | $67.4M |
| El Paso George Dieter Branch | El Paso , TX | 79936 | $63.9M |
| Morton Branch | Morton , TX | 79346 | $62.6M |
| City Bank - City Centre Branch | Houston , TX | 77024 | $62.0M |
| Idalou Branch | Idalou , TX | 79329 | $58.4M |
| College Station Branch | College Station , TX | 77840 | $55.6M |
| Midland Branch | Midland , TX | 79701 | $54.1M |
| Kermit State Bank Branch | Kermit , TX | 79745 | $52.7M |
| University Ave. Branch | Lubbock , TX | 79401 | $52.2M |
| Dublin Branch | Dublin , TX | 76446 | $30.0M |
| North Grandview Branch | Odessa , TX | 79761 | $22.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Bank of Houston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2019 | Structure Change | Acquired West Texas State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired City Bank New Mexico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2001 | Structure Change | Acquired The Farmers National Bank of Forney Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired West Texas Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 2000 | Structure Change | Acquired First State Bank Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2000 | Structure Change | Acquired FNB Lockney Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 1999 | Structure Change | Acquired South Plains Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1998 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 1984 | Structure Change | Acquired Security National Bank of Lubbock Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 13, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 17 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TX, rank 36 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,760 applications, 1,162 loans originated, $447.9M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.4M approved, $478K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about City Bank
What are City Bank's total assets?
As of the Q2 2026 filing, City Bank reported total assets of $5.39 billion in its FFIEC call report.
Where is City Bank headquartered?
It is headquartered in Lubbock, TX, United States.
When was City Bank founded?
It was established in 1984, per the FDIC institution directory.
Is City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City Bank?
City Bank's primary federal regulator is the FDIC.
What is City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City Bank operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is City Bank's Texas Ratio?
Its Texas Ratio is 1.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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