City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 245.81 percentage points lower than in Q1 2026, at 631.33%. City Bank ranks 172nd of 345 Texas banks on return on assets, in the upper half at 1.50% (Q2 2026). City Bank reported 1.50% on return on assets for Q2 2026, 0.22 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.39% |
| Tier 1 risk-based capital ratio | 13.39% |
| Total risk-based capital ratio | 14.50% |
| Tier 1 leverage ratio | 10.79% |
| Equity capital to assets | 11.11% |
| Tangible equity to tangible assets | 9.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.03% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 631.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 15.07% |
| Net interest margin | 4.04% |
| Efficiency ratio | 59.41% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.12% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 5.49% |
| Deposits to assets | 87.63% |
| Securities to assets | 10.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.87% | 12.87% | 14.10% | 10.65% | 1.41% |
| Q4 2023 | 12.80% | 12.80% | 14.04% | 10.60% | 1.14% |
| Q1 2024 | 13.00% | 13.00% | 14.23% | 10.72% | 1.18% |
| Q2 2024 | 12.86% | 12.86% | 14.09% | 10.96% | 1.21% |
| Q3 2024 | 13.36% | 13.36% | 14.61% | 10.81% | 1.19% |
| Q4 2024 | 13.48% | 13.48% | 14.73% | 10.96% | 1.66% |
| Q1 2025 | 13.49% | 13.49% | 14.74% | 10.93% | 1.27% |
| Q2 2025 | 13.57% | 13.57% | 14.82% | 10.88% | 1.46% |
| Q3 2025 | 13.86% | 13.86% | 15.11% | 10.94% | 1.59% |
| Q4 2025 | 13.66% | 13.66% | 14.91% | 10.90% | 1.47% |
| Q1 2026 | 13.79% | 13.79% | 15.04% | 10.90% | 1.46% |
| Q2 2026 | 13.39% | 13.39% | 14.50% | 10.79% | 1.50% |
City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25103) · FFIEC NIC profile (RSSD 575254)