TellerScore

Headquartered in Lubbock, Texas, City Bank is a state-chartered bank with $5.4B in total assets and $4.7B in deposits as of Q2 2026. It operates 36 offices across 2 states. Its charter dates back to 1984.

City Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 155th. Problem-loan coverage contributes the most (97/100, 1.6%); funding & liquidity contributes the least (57/100, 79% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.79%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 79.0% · 36.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202468
Q4 202469
Q1 202574
Q2 202574
Q3 202575
Q4 202574
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%7.98%10.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.96%
Q3 202410.81%
Q4 202410.96%
Q1 202510.93%
Q2 202510.88%
Q3 202510.94%
Q4 202510.90%
Q1 202610.90%
Q2 202610.79%
Noncurrent loans
0.16%0.49%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.75%
Q3 20240.81%
Q4 20240.78%
Q1 20250.21%
Q2 20250.34%
Q3 20250.32%
Q4 20250.32%
Q1 20260.16%
Q2 20260.25%
Return on assets
1.21%1.37%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.21%
Q4 20241.34%
Q1 20251.29%
Q2 20251.39%
Q3 20251.47%
Q4 20251.47%
Q1 20261.46%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$5.4B10.79%0.25%1.52%79.0%
Q1 202676$4.6B10.90%0.16%1.46%74.7%
Q4 202574$4.5B10.90%0.32%1.47%78.6%
Q3 202575$4.5B10.94%0.32%1.47%76.5%
Q2 202574$4.4B10.88%0.34%1.39%79.7%
Q1 202574$4.4B10.93%0.21%1.29%78.1%
Q4 202469$4.2B10.96%0.78%1.34%81.4%
Q3 202468$4.3B10.81%0.81%1.21%78.7%
Q2 202469$4.2B10.96%0.75%1.21%82.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.79%
56th
Total risk-based capital14.50%
60th
Problem loans0.25%
73rd
Net charge-offs0.05%
43rd
Return on assets1.52%
71st
Net interest margin4.21%
78th
Efficiency ratio60.3%
46th
Loans to deposits79.0%
70th
Uninsured deposits36.7%
35th
Loan-loss reserves1.40%
81st
Texas ratio1.6%
76th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
The American National Bank of TexasBank Terrell, TX61 out of 100, Moderate$5.5B8.8%0.23%vs
Vantage Bank TexasBank San Antonio, TX61 out of 100, Moderate$5.1B9.0%0.87%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs
International Bank of CommerceBank Brownsville, TX64 out of 100, Moderate$4.6B14.5%9.17%vs

Deposit insurance

Is my money safe at City Bank?

Yes. City Bank is an FDIC-insured institution (FDIC certificate #25103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.7% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.50% (benchmark: 10%).

Check how much of your own balance is covered

36 locations

Branches

City Bank lists 26 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, City Bank reported 1,733 home-loan applications under HMDA (LEI 549300VHBALPLHRR4080): 1,162 originated ($447,900,000 total), 233 denied, and 331 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
City Bank
Former names
City Bank, National Association
Type
State-chartered bank
FDIC certificate #
25103
RSSD ID
575254
Primary regulator
FDIC
Holding company
South Plains Financial Inc
Established
April 13, 1984
Headquarters
5219 City Bank Pkwy, Lubbock, TX 79407
Employees
614

Quick answers

City Bank: common questions

Is City Bank FDIC insured?

Yes. City Bank is an FDIC-insured institution (FDIC certificate #25103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is City Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has City Bank ever failed?

There is no failure record for FDIC certificate #25103 in the FDIC failed bank list.

How many branches does City Bank have?

36 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lubbock

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Caprock Santa Fe Credit UnionCredit union Slaton, TX85 out of 100, Very strong$51.5M41.7%1.77%vs
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Victory BankBank Lubbock, TX77 out of 100, Strong$284.8M12.1%0.05%vs