City Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks City Bank & Trust Co. of Lincoln, NE against its peer group of 2672 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 | 0.41% | 1.34% | -0.93% | 11th bottom |
| ROAE | 4.00% | 13.32% | -9.32% | 11th bottom |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 62.09% | 61.14% | +0.95% | 48th below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 45th below |
| Yield on Earning Assets | 5.57% | 5.67% | -0.10% | 49th below |
| Cost of Funds | 2.22% | 1.88% | +0.34% | 25th below |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.66% | 0.94% | +0.72% | 16th bottom |
| NPA / Total Assets | 1.52% | 0.70% | +0.82% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 25th below |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 85.56% | 1539.17% | -1453.61% | 23rd bottom |
| Texas Ratio | 12.97% | 7.33% | +5.64% | 16th bottom |
| Provision / NCO | 2125.58% | 1395.14% | +730.44% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.03% | 12.14% | -2.11% | 32nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.37% | -0.85% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.09% | -0.57% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.29% | 80.63% | +21.66% | 9th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.74% | 86.86% | +1.88% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.14% | 6.85% | -6.99% | 18th bottom |
| Loan Growth (Y/Y) | -0.08% | 7.91% | -7.99% | 22nd bottom |
| Deposit Growth (Y/Y) | 2.44% | 6.29% | -3.85% | 38th below |
See City Bank & Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock City Bank & Trust Co., 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 & Trust Co. profile, how to read a UBPR, or how this data updates.