| Metric | City Bank & Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 8.8% | 11.9% | -3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $323.2M | $288.4M | $290.8M | $34.0M | $1.5M | 0.94% | 3.80% | 0.88% |
| Q1 2026 | $328.2M | $291.0M | $296.4M | $35.8M | $1.2M | 1.45% | 3.71% | 0.74% |
| Q4 2025 | $334.4M | $287.9M | $299.7M | $35.2M | $3.8M | 1.17% | 3.54% | 0.54% |
| Q3 2025 | $323.7M | $273.5M | $288.7M | $33.9M | $2.5M | 1.01% | 3.46% | 0.29% |
| Q2 2025 | $323.7M | $281.5M | $292.3M | $33.2M | $1.3M | 0.81% | 3.27% | 0.26% |
| Q1 2025 | $333.5M | $299.5M | $290.3M | $32.3M | $281K | 0.34% | 3.04% | 0.12% |
| Q4 2024 | $328.3M | $293.9M | $290.3M | $32.7M | $3.1M | 1.00% | 3.09% | 0.36% |
| Q3 2024 | $320.4M | $286.1M | $270.3M | $32.3M | $2.2M | 0.94% | 3.03% | 0.32% |
Loan mix (Q2 2026): real estate $246.3M · commercial $35.6M · consumer $8.6M · securities $14.2M
| Ratio | City Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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% |
| Ratio | City Bank & Trust Co. | 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% |
| Ratio | City Bank & Trust Co. | 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% |
| Ratio | City Bank & Trust Co. | 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% |
| Ratio | City Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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