City Bank & Trust Co.
Lincoln, NE · Cert 5396 · Peer group: banks under $1B in assets in NE (n=83) · TCM Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
$323.2MAssets
$295.0MLoans
$288.4MDeposits
$34.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 45% of banks under $1B in assets in NE (rank 46 of 83).
- Widest gap: return on assets trails 88% of banks under $1B in assets in NE (rank 73 of 83).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.77%
Rank 73 of 83
Net Interest Margin
3.55%
Rank 46 of 83
Efficiency Ratio
62.11%
Rank 47 of 83
Equity / Assets
10.52%
Rank 51 of 83
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 45% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.93% | 1.20% | 1.51% | Beats 12% | 73 / 83 | |
| Return on Equity | 7.31% | 8.04% | 10.34% | 13.11% | Beats 14% | 71 / 83 | |
| Net Interest Margin | 3.55% | 3.25% | 3.62% | 4.02% | Beats 45% | 46 / 83 | |
| Efficiency Ratio | 62.11% | 51.13% | 59.95% | 67.19% | Beats 45% | 47 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.00% | 0.19% | 0.96% | Beats 25% | 63 / 83 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 27% | 62 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 10.94% | 13.24% | 16.62% | Beats 13% | 72 / 83 | |
| Total Risk-Based Capital Ratio | 10.03% | 11.04% | 13.54% | 17.63% | Beats 13% | 72 / 83 | |
| Equity / Assets | 10.52% | 9.90% | 11.31% | 13.84% | Beats 39% | 51 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 102.29% | 71.97% | 83.15% | 92.22% | 92nd pctl | 7 / 83 | |
| Loans / Assets | 91.25% | 57.96% | 69.15% | 77.64% | 99th pctl | 1 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |