TellerScore

City Bank & Trust Co. (FDIC certificate #5396) is based in Lincoln, Nebraska. Its Q2 2026 call report shows $323.2M in total assets and $288.4M in deposits and 5 offices.

City Bank & Trust Co. has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 121st. Problem-loan coverage contributes the most (85/100, 7.4%); funding & liquidity contributes the least (41/100, 101% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.03%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.96%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 100.8% · 31.3% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.41%

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 6 points (64 → 58), mostly because the loan quality component weakened by 22 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202466
Q1 202563
Q2 202564
Q3 202567
Q4 202566
Q1 202666
Q2 202658
Tier 1 leverage ratio
5.00%7.82%10.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.26%
Q3 202410.13%
Q4 20249.64%
Q1 20259.61%
Q2 20259.77%
Q3 202510.36%
Q4 202510.55%
Q1 202610.63%
Q2 202610.03%
Noncurrent loans
0.14%0.55%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.37%
Q4 20240.34%
Q1 20250.14%
Q2 20250.29%
Q3 20250.32%
Q4 20250.60%
Q1 20260.81%
Q2 20260.96%
Return on assets
0.34%0.89%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.94%
Q4 20241.00%
Q1 20250.34%
Q2 20250.81%
Q3 20251.01%
Q4 20251.17%
Q1 20261.45%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$323.2M10.03%0.96%0.94%100.8%
Q1 202666$328.2M10.63%0.81%1.45%101.8%
Q4 202566$334.4M10.55%0.60%1.17%104.1%
Q3 202567$323.7M10.36%0.32%1.01%105.6%
Q2 202564$323.7M9.77%0.29%0.81%103.8%
Q1 202563$333.5M9.61%0.14%0.34%96.9%
Q4 202466$328.3M9.64%0.34%1.00%98.8%
Q3 202467$320.4M10.13%0.37%0.94%94.5%
Q2 202468$306.3M10.26%0.37%1.02%101.5%

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).

Capital ratio10.03%
32nd
Total risk-based capital0.00%
24th
Problem loans0.96%
29th
Net charge-offs0.03%
35th
Return on assets0.94%
31st
Net interest margin3.80%
42nd
Efficiency ratio62.1%
51st
Loans to deposits100.8%
9th
Uninsured deposits31.3%
24th
Loan-loss reserves1.42%
74th
Texas ratio7.4%
25th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Security BankBank Laurel, NE78 out of 100, Strong$309.9M13.3%0.63%vs
Pathway BankBank Cairo, NE54 out of 100, Below average$338.1M12.4%3.85%vs
First Community BankBank Beemer, NE66 out of 100, Moderate$342.3M9.1%0.40%vs
Premier Bank National AssociationBank Omaha, NE71 out of 100, Strong$342.4M12.6%1.21%vs
The Tri-County BankBank Stuart, NE72 out of 100, Strong$299.3M8.4%0.01%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%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 #5396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.3% of deposits ($90.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

City Bank & Trust Co. lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, City Bank & Trust Co. reported 246 home-loan applications under HMDA (LEI 549300OUJRW41FX1L002): 195 originated ($71,705,000 total), 13 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, 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 & Trust Co.
Former names
The City National Bank of Crete; Citibank and Trust Company of Crete
Type
State-chartered bank
FDIC certificate #
5396
RSSD ID
79855
Primary regulator
FDIC
Holding company
Tcm Co
Established
April 18, 1910
Headquarters
2929 Pine Lake Rd, Lincoln, NE 68516
Employees
47

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 #5396). 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?

58 out of 100 (Moderate), 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 #5396 in the FDIC failed bank list.

How many branches does City Bank & Trust Co. have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lincoln

InstitutionScoreAssetsCapitalProblem loansCompare
Adams State BankBank Adams, NE91 out of 100, Very strong$70.2M16.6%0.09%vs
Countryside BankBank Unadilla, NE90 out of 100, Very strong$118.5M15.2%0.35%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs