City Bank & Trust Co. (Natchitoches, LA)
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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 Natchitoches, LA, established in 1933 (FDIC certificate 12608), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $382.0M, up 9.2% from Q2 2025, the 51st largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 17.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12608
- Headquarters
- Natchitoches, LA
- Established
- 1933
- Total assets, Q2 2026
- $382.0M
- Assets vs Q2 2025
- +9.2%
- CET1 ratio, Q2 2026
- 17.75%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111102949
- Latest call report
- Q2 2026, FFIEC 051 · City Bank & Trust Co. call report
- Holding company
- CITY BANCSHARES, INC.
- Asset rank in state
- 51st of 102 in Louisiana
City Bank & Trust Co., based in Natchitoches, Louisiana, reported $382 million in assets at June 30, 2026, up 9.2% from a year earlier. It pays an average of 0.87% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.58 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, City Bank & Trust Co. reported a CET1 capital ratio of 17.75%, a return on assets of 1.69%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 6.50%. The figures come from its call report filed with the FFIEC.
City Bank & Trust Co. ranks as the 51st largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $382.0M, loans rose 6.2% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.2% of total loans, followed by owner-occupied commercial real estate loans at 15.2%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in LA; its Natchitoches 3 offices book 66% of its branch deposits. On its Q2 2026 call report, City Bank & Trust Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 146 Saint Denis St, Natchitoches, LA 71457
- County
- Natchitoches
- Metro Area
- Natchitoches, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $334.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $379.4M
- Average total loans
- $238.9M
- Average interest-bearing deposits
- $358.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12608
- Fed RSSD
- 841753
- Website
- www.mycitybank.com →
- Parent Holding Company
- CITY BANCSHARES, INC. (RSSD 2625283)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
City Bank & Trust Co.'s total assets moved between a low of $323.9M (Q3 2024) and a high of $382.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$382.0M total assets against $349.7M; $340.3M total liabilities against $309.8M.
$238.3M net loans and leases against $216.6M; $334.0M total deposits against $305.5M.
$97.8M securities against $86.6M; $33.3M cash and balances due against $36.9M.
$5.2M total interest income against $4.5M; $1.0M total interest expense against $814K.
$4.2M net interest income against $3.7M.
$683K total noninterest income against $642K; $3.1M total noninterest expense against $2.7M.
$136K provision for credit losses against $68K.
$1.6M net income against $1.6M.
1.69% return on assets against 1.82%; 4.58% net interest margin against 4.53%.
17.75% CET1 capital ratio against 17.94%; 11.35% tier 1 leverage ratio against 12.19%.
Inside the full City Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCity Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 502 of 2,134, for CET1 ratio; its furthest is 2,256 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.26% (Q4 2025) to 1.82% (Q2 2025) and its net interest margin ran from 3.96% (Q3 2024) to 4.58% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.75% | 1.69% | 0.00% | 6.50% | 4.58% |
| Q1 2026 | 18.09% | 1.63% | 0.87% | 10.83% | 4.25% |
| Q4 2025 | 17.44% | -0.26% | 2.04% | 10.58% | 4.39% |
| Q3 2025 | 17.52% | 1.80% | 0.07% | 0.36% | 4.49% |
| Q2 2025 | 17.94% | 1.82% | 0.01% | 0.04% | 4.53% |
| Q1 2025 | 18.57% | 1.77% | 0.01% | 0.05% | 4.45% |
| Q4 2024 | 17.37% | 1.61% | 0.02% | 0.10% | 4.29% |
| Q3 2024 | 17.68% | 1.27% | 0.00% | 0.01% | 3.96% |
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Branch Network
View all 7 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) | Natchitoches , LA | 71457 | $151.2M |
| Many Branch | Many , LA | 71449 | $44.7M |
| Keyser Avenue Branch | Natchitoches , LA | 71457 | $43.7M |
| Bossier Branch | Bossier City , LA | 71111 | $29.0M |
| Campti Branch | Campti , LA | 71411 | $27.2M |
| University Branch | Natchitoches , LA | 71457 | $24.6M |
| Shreveport Branch | Shreveport , LA | 71106 | $13.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 60 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $180K approved, $180K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $382.0 million in its FFIEC call report.
Where is City Bank & Trust Co. headquartered?
It is headquartered in Natchitoches, LA, United States.
When was City Bank & Trust Co. founded?
It was established in 1933, per the FDIC institution directory.
Is City Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12608). 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.
What is City Bank & Trust Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City Bank & Trust Co. operate?
It operates 8 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 6.50% 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.
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