| Metric | City Bank & Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.4 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.4 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 15.2% | 11.9% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.0M | $334.0M | $238.3M | $41.7M | $3.1M | 1.64% | 4.42% | 0.75% |
| Q1 2026 | $378.1M | $330.7M | $222.4M | $41.7M | $1.5M | 1.61% | 4.24% | 1.31% |
| Q4 2025 | $381.8M | $336.1M | $227.4M | $40.5M | $4.4M | 1.24% | 4.48% | 1.24% |
| Q3 2025 | $361.5M | $312.2M | $233.0M | $42.2M | $4.6M | 1.77% | 4.57% | 0.04% |
| Q2 2025 | $349.7M | $305.5M | $216.6M | $39.9M | $3.1M | 1.77% | 4.52% | 0.00% |
| Q1 2025 | $335.3M | $292.7M | $207.3M | $38.9M | $1.5M | 1.75% | 4.51% | 0.01% |
| Q4 2024 | $348.5M | $308.3M | $200.7M | $36.6M | $4.8M | 1.40% | 4.01% | 0.01% |
| Q3 2024 | $323.9M | $269.9M | $196.8M | $37.2M | $3.5M | 1.37% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $194.4M · commercial $35.0M · consumer $6.9M · securities $97.8M
| Ratio | City Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 56th |
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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