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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.51 percentage points higher than in Q1 2026, at 72.05%. City Bank & Trust Co. ranks 29th of 103 Louisiana banks on return on assets, in the upper half at 1.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. City Bank & Trust Co. sits 0.43 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.75% |
| Tier 1 risk-based capital ratio | 17.75% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 11.35% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 3.23% |
| Texas ratio | 6.50% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 15.34% |
| Net interest margin | 4.58% |
| Efficiency ratio | 64.07% |
| Yield on earning assets | 5.70% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.05% |
| Core deposits to total deposits | 89.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.43% |
| Securities to assets | 25.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.15% | 17.15% | 18.06% | 10.41% | 1.60% |
| Q4 2023 | 16.84% | 16.84% | 17.75% | 10.65% | 1.56% |
| Q1 2024 | 17.52% | 17.52% | 18.43% | 11.31% | 1.60% |
| Q2 2024 | 17.41% | 17.41% | 18.34% | 11.49% | 1.30% |
| Q3 2024 | 17.68% | 17.68% | 18.64% | 12.08% | 1.27% |
| Q4 2024 | 17.37% | 17.37% | 18.32% | 12.22% | 1.61% |
| Q1 2025 | 18.57% | 18.57% | 19.57% | 12.10% | 1.77% |
| Q2 2025 | 17.94% | 17.94% | 18.91% | 12.19% | 1.82% |
| Q3 2025 | 17.52% | 17.52% | 18.53% | 12.14% | 1.80% |
| Q4 2025 | 17.44% | 17.44% | 18.70% | 11.36% | -0.26% |
| Q1 2026 | 18.09% | 18.09% | 19.35% | 11.33% | 1.63% |
| Q2 2026 | 17.75% | 17.75% | 18.78% | 11.35% | 1.69% |
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 12608) · FFIEC NIC profile (RSSD 841753)