Headquartered in Natchitoches, Louisiana, City Bank & Trust Co. is a state-chartered bank with $382.0M in total assets and $334.0M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1933.
City Bank & Trust Co. has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 11th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (64/100, 11.35%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 5 points (87 → 82), mostly because the problem-loan coverage component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 84 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 85 |
| Q4 2025 | 61 |
| Q1 2026 | 73 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.49% |
| Q3 2024 | 12.08% |
| Q4 2024 | 12.22% |
| Q1 2025 | 12.10% |
| Q2 2025 | 12.19% |
| Q3 2025 | 12.14% |
| Q4 2025 | 11.36% |
| Q1 2026 | 11.33% |
| Q2 2026 | 11.35% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.07% |
| Q4 2025 | 2.04% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.77% |
| Q4 2025 | 1.24% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $382.0M | 11.35% | 0.00% | 1.64% | 71.3% |
| Q1 2026 | 73 | $378.1M | 11.33% | 0.87% | 1.61% | 67.3% |
| Q4 2025 | 61 | $381.8M | 11.36% | 2.04% | 1.24% | 67.7% |
| Q3 2025 | 85 | $361.5M | 12.14% | 0.07% | 1.77% | 74.6% |
| Q2 2025 | 87 | $349.7M | 12.19% | 0.01% | 1.77% | 70.9% |
| Q1 2025 | 87 | $335.3M | 12.10% | 0.01% | 1.75% | 70.8% |
| Q4 2024 | 84 | $348.5M | 12.22% | 0.02% | 1.40% | 65.1% |
| Q3 2024 | 84 | $323.9M | 12.08% | 0.00% | 1.37% | 72.9% |
| Q2 2024 | 83 | $335.0M | 11.49% | 0.01% | 1.43% | 70.1% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Commerce & Trust Co.Bank Crowley, LA | 72 out of 100, Strong | $377.9M | 11.1% | 0.19% | vs |
| American BankBank Covington, LA | 38 out of 100, Low | $366.6M | 10.1% | 5.04% | vs |
| Southern Heritage BankBank Jonesville, LA | 73 out of 100, Strong | $397.9M | 10.5% | 0.72% | vs |
| Bank of St. FrancisvilleBank Saint Francisville, LA | 66 out of 100, Moderate | $398.7M | 9.9% | 0.81% | vs |
| CLB The Community BankBank Jonesville, LA | 58 out of 100, Moderate | $350.9M | 11.4% | 2.58% | vs |
| Bank of ZacharyBank Zachary, LA | 76 out of 100, Strong | $416.0M | 11.9% | 0.07% | vs |
Deposit insurance
Is my money safe at City Bank & Trust Co.?
Yes. City Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #12608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.9% of deposits ($86.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.78% (benchmark: 10%).
8 locations
Branches
City Bank & Trust Co. lists 7 offices in 5 cities. Most locations:
- Natchitoches, LA (3)
- Bossier City, LA (1)
- Campti, LA (1)
- Many, LA (1)
- Shreveport, LA (1)
Identity & history
Profile
- Legal name
- City Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 12608
- RSSD ID
- 841753
- Primary regulator
- FDIC
- Holding company
- City Bancshares Inc
- Established
- January 1, 1933
- Headquarters
- 146 Saint Denis St, Natchitoches, LA 71457
- Website
- www.mycitybank.com
- Employees
- 79
Quick answers
City Bank & Trust Co.: common questions
Is City Bank & Trust Co. FDIC insured?
Yes. City Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #12608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is City Bank & Trust Co.'s TellerScore?
82 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 & Trust Co. ever failed?
There is no failure record for FDIC certificate #12608 in the FDIC failed bank list.
How many branches does City Bank & Trust Co. have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Natchitoches
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Engage Federal Credit UnionCredit union Natchitoches, LA | 86 out of 100, Very strong | $28.5M | 21.6% | 0.95% | vs |
| Colfax Banking CompanyBank Colfax, LA | 76 out of 100, Strong | $152.3M | 11.0% | 0.04% | vs |
| Exchange Bank and Trust Company, Natchitoches, LouisianaBank Natchitoches, LA | 75 out of 100, Strong | $212.5M | 11.4% | 0.89% | vs |
| Community Bank of LouisianaBank Mansfield, LA | 74 out of 100, Strong | $852.9M | 10.1% | 0.01% | vs |
| First Federal Bank of LouisianaBank Lake Charles, LA | 70 out of 100, Strong | $1.1B | 12.0% | 0.17% | vs |
| LA Capitol Federal Credit UnionCredit union Baton Rouge, LA | 67 out of 100, Moderate | $798.4M | 13.1% | 1.43% | vs |