City Bank & Trust Co. (Lincoln, NE)
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Data as of · sourced from FFIEC call reports. How we update
City Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1910 (FDIC certificate 5396), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $323.2M, down 0.1% from Q2 2025, the 61st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5396
- Headquarters
- Lincoln, NE
- Established
- 1910
- Total assets, Q2 2026
- $323.2M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 10.03%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104901144
- Latest call report
- Q2 2026, FFIEC 051 · City Bank & Trust Co. call report
- Holding company
- TCM COMPANY
- Asset rank in state
- 61st of 138 in Nebraska
Problem loans are rising at City Bank & Trust Co.. Based in Lincoln, Nebraska, it had $323 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.96% of loans from 0.29% a year earlier. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size.
Earnings fell sharply: quarterly net income of $349,000 was 67% below a year earlier. The commercial and industrial book ($36 million) is worsening: 5.65% of it is past due or on nonaccrual, up from 3.14% a year earlier. Funding is the softer spot: it pays an average of 2.22% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, City Bank & Trust Co. reported a return on assets of 0.41%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 7.41%. The figures come from its call report filed with the FFIEC.
City Bank & Trust Co. ranks as the 61st largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $323.2M, loans fell 1.6% and deposits fell 0.9%. 1-4 family residential loans made up 23.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.8%. Its 5 offices in the FDIC Summary of Deposits are in Lincoln, NE and Crete, NE; its Lincoln 4 offices book 65% of its branch deposits. Judged on its Q2 2026 call report, City Bank & Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2929 Pine Lake Rd, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 18, 1910
- Former names
- Citibank and Trust Company of Crete (1977-1980)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $288.4M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $339.7M
- Average total loans
- $298.0M
- Average interest-bearing deposits
- $226.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5396
- Fed RSSD
- 79855
- SEC CIK
- 2048226 → filed by TCM COMPANY
- Website
- www.citybankandtrust.com →
- Parent Holding Company
- TCM COMPANY (RSSD 1141553)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, City Bank & Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, City Bank & Trust Co.'s total assets ran between $300.2M (Q3 2023) and $334.4M (Q4 2025), 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
$323.2M total assets against $323.7M; $289.2M total liabilities against $290.5M.
$290.8M net loans and leases against $292.3M; $288.4M total deposits against $281.5M.
$14.2M securities against $15.2M; $15.1M cash and balances due against $12.4M.
$4.7M total interest income against $4.7M; $1.6M total interest expense against $2.0M.
$3.1M net interest income against $2.7M.
$315K total noninterest income against $336K; $2.1M total noninterest expense against $1.9M.
$914K provision for credit losses against $100K.
$349K net income against $1.0M.
0.41% return on assets against 1.23%; 3.64% net interest margin against 3.32%.
10.03% tier 1 leverage ratio against 9.77%.
Inside the full City Bank & Trust Co. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
City Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 906 of 3,640, for Texas Ratio; its furthest is 3,324 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.33% (Q1 2025) to 1.65% (Q4 2025) and its net interest margin ran from 2.81% (Q3 2024) to 3.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.03% | 0.41% | 0.96% | 7.41% | 3.64% |
| Q1 2026 | 10.63% | 1.42% | 0.81% | 6.21% | 3.55% |
| Q4 2025 | 10.55% | 1.65% | 0.60% | 4.71% | 3.64% |
| Q3 2025 | 10.36% | 1.41% | 0.32% | 2.55% | 3.78% |
| Q2 2025 | 9.77% | 1.23% | 0.29% | 2.35% | 3.32% |
| Q1 2025 | 9.61% | 0.33% | 0.14% | 1.17% | 2.95% |
| Q4 2024 | 9.64% | 1.13% | 0.34% | 3.29% | 3.09% |
| Q3 2024 | 10.13% | 0.79% | 0.37% | 2.89% | 2.81% |
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Branch Network
View all 5 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 & Trust Co. (main office) | Lincoln , NE | 68516 | $110.6M |
| Crete Branch | Crete , NE | 68333 | $100.9M |
| City Bank & Trust Co. East Branch | Lincoln , NE | 68506 | $63.1M |
| City Bank & Trust Company | Lincoln , NE | 68508 | $13.5M |
| Savannah Pines Living Center | Lincoln , NE | 68516 | $191K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- February 1, 2010, Federal Reserve: Written Agreement: TCM Company, Crete, Nebraska
- Period: Most recent institution action February 1, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NE, rank 65 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 242 applications, 189 loans originated, $70.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $3.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 & Trust Co.
What are City Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, City Bank & Trust Co. reported total assets of $323.2 million in its FFIEC call report.
Where is City Bank & Trust Co. headquartered?
It is headquartered in Lincoln, NE, United States.
When was City Bank & Trust Co. founded?
It was established in 1910, per the FDIC institution directory.
Is City Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5396). 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.
How many branches does City Bank & Trust Co. operate?
It operates 5 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 & Trust Co.'s Texas Ratio?
Its Texas Ratio is 7.41% 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.
What was City Bank & Trust Co. previously called?
The charter now named City Bank & Trust Co. has also operated as Citibank and Trust Company of Crete (1977-1980), per FDIC structure-change records.
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