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City Bank & Trust Co.
Lincoln, NE · FDIC Certificate #5396 · Chartered 04/1
Total assets
$323.24M
Total deposits
$288.37M
Total equity
$34.02M
Net loans
$290.78M
Branches (offices)
5
Net income (YTD)
$1.55M
Rank: #2,365 of 4,213 U.S. banks by assets · #61 of 138 in Nebraska. Assets changed -0.1% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.94% |
| Return on equity | 8.84% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 10.52% |
| Tier 1 leverage ratio | 10.03% |
| Uninsured deposits (share of deposits) | 31.3% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 100.8% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $246.31M | 84.7% | |
| Commercial & industrial | $35.56M | 12.2% | |
| Consumer / individual | $8.62M | 3.0% | |
| Construction & development | $20.57M | 7.1% | |
| Agricultural | $4.49M | 1.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $271.88M | $244.08M | $806.00K | $27.26M |
| Jun 2023 | $291.05M | $242.88M | $1.23M | $29.08M |
| Jun 2024 | $306.29M | $268.66M | $1.55M | $31.48M |
| Jun 2025 | $323.71M | $281.52M | $1.32M | $33.19M |
| Jun 2026 | $323.24M | $288.37M | $1.55M | $34.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $288.37M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $288.37M.
Similar-sized banks
Huron Community Bank ($323.31M) · First Bank Blue Earth ($322.70M)
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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