City Bank
Total assets
$5.39B
▲ +23.5% YoY
Deposits
$4.72B
▲ +22.6% YoY
Loans
$3.73B
▲ +21.5% YoY
Offices
36
SOUTH PLAINS FINANCIAL INC
ROA (annualized)
1.52%
peers 1.26%
ROE (annualized)
14.40%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.5% | +5.5% | +18.1 pts |
| Deposit growth (YoY) | +22.6% | +5.1% | +17.5 pts |
| Loan growth (YoY) | +21.4% | +5.9% | +15.5 pts |
| ROA | 1.52% | 1.26% | +0.3 pts |
| ROE | 14.4% | 12.2% | +2.2 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
Profile
- Established
- 1984
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SOUTH PLAINS FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 5219 City Bank Pkwy, Lubbock, TX, 79407
- County
- Lubbock
- Metro area
- Lubbock, TX
- Offices
- 36
- FDIC cert #
- 25103
- RSSD ID
- 575254
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.39B | $4.72B | $3.73B | $598.9M | $36.8M | 1.52% | 4.21% | 0.19% |
| Q1 2026 | $4.64B | $4.12B | $3.08B | $468.4M | $16.7M | 1.46% | 4.10% | 0.13% |
| Q4 2025 | $4.48B | $3.95B | $3.11B | $465.1M | $64.7M | 1.47% | 4.23% | 0.26% |
| Q3 2025 | $4.48B | $3.95B | $3.02B | $458.4M | $48.0M | 1.47% | 4.23% | 0.25% |
| Q2 2025 | $4.36B | $3.85B | $3.07B | $443.7M | $30.2M | 1.39% | 4.18% | 0.25% |
| Q1 2025 | $4.40B | $3.90B | $3.05B | $440.1M | $13.9M | 1.29% | 4.00% | 0.16% |
| Q4 2024 | $4.23B | $3.73B | $3.03B | $437.0M | $56.7M | 1.34% | 3.91% | 0.58% |
| Q3 2024 | $4.34B | $3.82B | $3.01B | $446.7M | $38.5M | 1.21% | 3.85% | 0.58% |
Loan mix (Q2 2026): real estate $2.81B · commercial $466.0M · consumer $330.8M · securities $555.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.26% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.70% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 59.0% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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