City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks City Bank of Lubbock, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.46% | +0.04% | 66th above |
| ROAE | 15.07% | 12.71% | +2.36% | 71st above |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 59.41% | 57.40% | +2.01% | 47th below |
| PPNR / Avg Assets | 1.94% | 1.88% | +0.06% | 65th above |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 2.04% | 2.02% | +0.02% | 48th below |
| Net Interest Spread | 2.98% | 3.18% | -0.20% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 1.00% | -0.78% | 80th top |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans | 1.40% | 1.31% | +0.09% | 81st top |
| ACL / NPLs (Coverage) | 631.33% | 543.16% | +88.17% | 85th top |
| Texas Ratio | 2.03% | 7.40% | -5.37% | 77th top |
| Provision / NCO | 39.86% | 620.03% | -580.17% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.39% | 17.35% | -3.96% | 48th below |
| Tier 1 Ratio | 13.39% | 17.38% | -3.99% | 48th below |
| Total Capital Ratio | 14.50% | 18.43% | -3.93% | 47th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.79% | 11.44% | -0.65% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.11% | 11.34% | -0.23% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.91% | 10.50% | -0.59% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.12% | 86.97% | -6.85% | 71st above |
| Core Deposit Ratio | 88.79% | 85.55% | +3.24% | 52nd above |
| Uninsured Deposit Ratio | 36.70% | 33.11% | +3.59% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.53% | 9.65% | +13.88% | 93rd top |
| Loan Growth (Y/Y) | 21.40% | 8.03% | +13.37% | 93rd top |
| Deposit Growth (Y/Y) | 22.57% | 7.84% | +14.73% | 92nd top |
See City Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full City Bank profile, how to read a UBPR, or how this data updates.