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 Natchitoches, LA 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 | 1.69% | 1.35% | +0.34% | 73rd above |
| ROAE | 15.34% | 12.05% | +3.29% | 68th above |
| Net Interest Margin | 4.58% | 3.90% | +0.68% | 82nd top |
| Efficiency Ratio | 64.07% | 63.15% | +0.92% | 42nd below |
| PPNR / Avg Assets | 1.82% | 1.64% | +0.18% | 64th above |
| Yield on Earning Assets | 5.70% | 5.65% | +0.05% | 55th above |
| Cost of Funds | 0.87% | 1.85% | -0.98% | 94th top |
| Net Interest Spread | 3.94% | 3.35% | +0.59% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.75% | 0.67% | +0.08% | 28th below |
| NCO / Avg Loans | 3.23% | 0.14% | +3.09% | 1st bottom |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.50% | 7.15% | -0.65% | 33rd below |
| Provision / NCO | 10.07% | 1189.92% | -1179.85% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.75% | 20.83% | -3.08% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.75% | 20.86% | -3.11% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.78% | 21.94% | -3.16% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.35% | 12.46% | -1.11% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.67% | -0.75% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.40% | -0.48% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.05% | 78.65% | -6.60% | 67th above |
| Core Deposit Ratio | 89.44% | 87.09% | +2.35% | 52nd above |
| Wholesale Funding Ratio | 1.40% | 5.12% | -3.72% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.24% | 6.47% | +2.77% | 80th top |
| Loan Growth (Y/Y) | 10.03% | 7.64% | +2.39% | 74th above |
| Deposit Growth (Y/Y) | 9.35% | 6.02% | +3.33% | 80th top |
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.