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City Bank
Lubbock, TX · FDIC Certificate #25103 · Chartered 04/1
Total assets
$5.39B
Total deposits
$4.72B
Total equity
$598.86M
Net loans
$3.73B
Branches (offices)
27
Net income (YTD)
$36.78M
Rank: #273 of 4,213 U.S. banks by assets · #19 of 346 in Texas. Assets changed 23.5% and deposits 22.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 14.40% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.11% |
| Tier 1 leverage ratio | 10.79% |
| Uninsured deposits (share of deposits) | 36.7% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 79.0% |
| Real estate loans (share of loans) | 75.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.81B | 75.4% | |
| Commercial & industrial | $466.04M | 12.5% | |
| Consumer / individual | $330.79M | 8.9% | |
| Construction & development | $483.89M | 13.0% | |
| Agricultural | $61.50M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.97B | $3.53B | $32.98M | $377.35M |
| Jun 2023 | $4.15B | $3.67B | $42.48M | $408.07M |
| Jun 2024 | $4.22B | $3.72B | $25.58M | $426.87M |
| Jun 2025 | $4.36B | $3.85B | $30.20M | $443.66M |
| Jun 2026 | $5.39B | $4.72B | $36.78M | $598.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $4.51B | 26 |
| New Mexico | $211.89M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.72B.
Similar-sized banks
The Canandaigua National Bank And Trust Company ($5.41B) · Bridgewater Bank ($5.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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