City Bank
Lubbock, TX · Cert 25103 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · South Plains Financial Inc.
State charter, non-member · FDIC · 27 branches
Q2 2026
$5.4BAssets
$3.8BLoans
$4.7BDeposits
$598.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of banks $1B-$10B in assets operating regionally (rank 34 of 176).
- Widest gap: efficiency ratio trails 55% of banks $1B-$10B in assets operating regionally (rank 97 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.37%
Rank 68 of 176
Net Interest Margin
3.58%
Rank 89 of 176
Efficiency Ratio
60.67%
Rank 97 of 176
Equity / Assets
11.11%
Rank 66 of 176
Non-interest income vs. expense
Unfavorable gap of $95.2M · efficiency ratio beats 45% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.93% | 1.26% | 1.54% | Beats 61% | 68 / 176 | | |
| Return on Equity | 12.28% | 9.26% | 11.89% | 14.46% | Beats 53% | 82 / 176 | | |
| Net Interest Margin | 3.58% | 3.25% | 3.59% | 3.93% | Beats 49% | 89 / 176 | | |
| Efficiency Ratio | 60.67% | 52.79% | 59.55% | 67.66% | Beats 45% | 97 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.30% | 0.64% | 1.32% | Beats 81% | 34 / 176 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.10% | Beats 48% | 92 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.39% | 11.15% | 12.72% | 14.15% | Beats 64% | 63 / 176 | | |
| Total Risk-Based Capital Ratio | 14.50% | 11.81% | 13.63% | 15.33% | Beats 65% | 62 / 176 | | |
| Equity / Assets | 11.11% | 9.16% | 10.35% | 11.80% | Beats 63% | 66 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.12% | 80.94% | 89.73% | 97.21% | 20th pctl | 140 / 176 | | |
| Loans / Assets | 70.21% | 69.25% | 75.12% | 80.82% | 28th pctl | 126 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |