City Bank & Trust Co.: 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.
Reserve coverage of non-performing loans climbed 11.69 percentage points in Q2 2026, from 73.88% to 85.56%. It was the largest change from Q1 2026 among the key lines here. On return on assets, City Bank & Trust Co. is 6th from the bottom among 138 Nebraska banks, 0.41% (Q2 2026). City Bank & Trust Co.'s return on assets of 0.41% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.84 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.03% |
| Equity capital to assets | 10.52% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.66% |
| Non-performing assets ratio | 1.52% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 12.97% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 85.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 4.00% |
| Net interest margin | 3.64% |
| Efficiency ratio | 62.09% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.29% |
| Core deposits to total deposits | 88.74% |
| Brokered deposits to total deposits | 4.85% |
| Deposits to assets | 89.21% |
| Securities to assets | 4.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.10% | 1.01% | 3.71% | 0.37% | -0.00% |
| Q4 2023 | 10.29% | 0.97% | 3.76% | 0.20% | 0.60% |
| Q1 2024 | 10.58% | 1.21% | 3.28% | 0.19% | 0.00% |
| Q2 2024 | 10.26% | 0.84% | 2.88% | 0.39% | 0.00% |
| Q3 2024 | 10.13% | 0.79% | 2.81% | 0.39% | 0.00% |
| Q4 2024 | 9.64% | 1.13% | 3.09% | 0.36% | 0.01% |
| Q1 2025 | 9.61% | 0.33% | 2.95% | 0.90% | 0.78% |
| Q2 2025 | 9.77% | 1.23% | 3.32% | 1.03% | 0.00% |
| Q3 2025 | 10.36% | 1.41% | 3.78% | 1.07% | 0.00% |
| Q4 2025 | 10.55% | 1.65% | 3.64% | 1.31% | 0.02% |
| Q1 2026 | 10.63% | 1.42% | 3.55% | 1.50% | 0.00% |
| Q2 2026 | 10.03% | 0.41% | 3.64% | 1.66% | 0.06% |
City Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5396) · FFIEC NIC profile (RSSD 79855)