City Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
City Bank is the primary bank subsidiary of its parent holding company, headquartered in Lubbock, TX. Total assets stand at $5.4B. The bank posts a strong 1.50% ROA and 15.07% ROE. Regulatory capital is solid, 13.39% CET1 and 14.50% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.22%. City operates a 36-branch network.
As of June 30, 2026, City Bank reported a CET1 capital ratio of 13.39%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.22%, a Texas ratio of 2.03%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 5219 City Bank Pkwy, Lubbock, TX 79407
- County
- Lubbock
- Metro Area
- Lubbock, TX
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 13, 1984
- Offices
- 36 domestic
- Employees (FTE)
- 614
- Domestic deposits
- $4.72B
- Allowance for credit losses
- $53.1M
- Net charge-offs (YTD)
- $878K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 13, 1984
- FDIC Cert
- 25103
- Fed RSSD
- 575254
- SEC CIK
- 1163668 → filed by SOUTH PLAINS FINANCIAL, INC.
- Website
- www.city.bank →
- Parent Holding Company
- SOUTH PLAINS FINANCIAL, INC. (RSSD 2033226) · SPFI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Griffith Curtis C | CEO | Chairman and CEO |
| Crockett Steven B | CFO | CFO and Treasurer |
| Ehlers Paul A | COO | COO - City Bank |
| Newsom Cory T | PRES | President |
| Newsom Mikella D | CRO | Chief Risk Officer & Secretary |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full City Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock City Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
City Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into City Bank
- Bank of Houston, effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.39% | 1.50% | 0.22% | 2.03% | 4.04% |
| Q1 2026 | 13.79% | 1.46% | 0.16% | 1.49% | 4.04% |
| Q4 2025 | 13.66% | 1.47% | 0.27% | 2.69% | 4.10% |
| Q3 2025 | 13.86% | 1.59% | 0.32% | 2.62% | 4.21% |
| Q2 2025 | 13.57% | 1.46% | 0.30% | 2.64% | 4.18% |
| Q1 2025 | 13.49% | 1.27% | 0.12% | 1.87% | 3.89% |
| Q4 2024 | 13.48% | 1.66% | 0.77% | 5.69% | 3.91% |
| Q3 2024 | 13.36% | 1.19% | 0.91% | 6.53% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| City Bank (main office) | Lubbock , TX | 79407 | $1.72B |
| Bank of Houston Branch | Houston , TX | 77027 | $472.6M |
| City Bank Forney Highway 80 Branch | Forney , TX | 75126 | $320.1M |
| City Bank-82Milwaukee Branch | Lubbock , TX | 79424 | $233.0M |
| Levelland Branch | Levelland , TX | 79336 | $214.4M |
| Midtown Branch | Ruidoso , NM | 88345 | $211.9M |
| El Paso Branch | El Paso , TX | 79932 | $182.1M |
| West Texas State Bank Branch | Odessa , TX | 79764 | $157.7M |
| 4th Street Branch | Lubbock , TX | 79416 | $130.8M |
| Lubbock Branch | Lubbock , TX | 79424 | $127.3M |
| Mckinnon Street Branch | Dallas , TX | 75201 | $101.9M |
| Lubbock Branch | Lubbock , TX | 79413 | $88.3M |
| University Branch | Lubbock , TX | 79423 | $79.2M |
| Plano Branch | Plano , TX | 75024 | $79.0M |
| Monahans Branch | Monahans , TX | 79756 | $67.4M |
| El Paso George Dieter Branch | El Paso , TX | 79936 | $63.9M |
| Morton Branch | Morton , TX | 79346 | $62.6M |
| City Bank - City Centre Branch | Houston , TX | 77024 | $62.0M |
| Idalou Branch | Idalou , TX | 79329 | $58.4M |
| College Station Branch | College Station , TX | 77840 | $55.6M |
| Midland Branch | Midland , TX | 79701 | $54.1M |
| Kermit State Bank Branch | Kermit , TX | 79745 | $52.7M |
| University Ave. Branch | Lubbock , TX | 79401 | $52.2M |
| Dublin Branch | Dublin , TX | 76446 | $30.0M |
| North Grandview Branch | Odessa , TX | 79761 | $22.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | Structure Change | Acquired Bank of Houston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2019 | Structure Change | Acquired West Texas State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2014 | Structure Change | Acquired City Bank New Mexico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2001 | Structure Change | Acquired The Farmers National Bank of Forney Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired West Texas Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 2000 | Structure Change | Acquired First State Bank Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2000 | Structure Change | Acquired FNB Lockney Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 1999 | Structure Change | Acquired South Plains Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1998 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 1984 | Structure Change | Acquired Security National Bank of Lubbock Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 17 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for City Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in TX, rank 36 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,760 applications, 1,162 loans originated, $447.9M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows City Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare City Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about City Bank
What are City Bank's total assets?
As of the Q2 2026 filing, City Bank reported total assets of $5.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is City Bank headquartered?
City Bank is headquartered in Lubbock, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was City Bank founded?
City Bank was established in 1984, per the FDIC institution directory.
Is City Bank FDIC-insured?
Yes. City Bank is an FDIC-insured commercial bank (FDIC Certificate #25103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City Bank?
City Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is City Bank's CET1 capital ratio?
City Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.39% 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 operate?
City Bank operates 36 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's Texas Ratio?
City Bank's Texas Ratio is 2.03% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on City Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock City Bank, freeFree account