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City Bank & Trust Co.

$100M-$1B Specialty: Commercial LA FDIC cert 12608

Natchitoches, LA

8 branches across LA · TX

2664 banks in the $100M-$1B peer group nationally 74 in LA
View $100M-$1B leaderboard (LA) →

City Bank & Trust Co. shows strong momentum with 3 strengths and 12.8% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.34% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Efficiency Ratio 0.09% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when City Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $378.1M
+12.8% YoY -1.0% QoQ
-$8.0M $386.1M
+0.5% YoY
$784.8M
+7.0% YoY
$6.2B
+9.1% YoY
58%
Total Loans ? $222.4M
+7.3% YoY -2.2% QoQ
-$33.3M $255.7M
+1.1% YoY
$523.7M
+4.0% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $330.7M
+13.0% YoY -1.6% QoQ
+$2.7M $328.0M
+0.1% YoY
$671.5M
+6.9% YoY
$4.8B
+8.2% YoY
60%
Return on Assets ? 1.61%
-8.2% YoY +29.9% QoQ
+0.34% 1.27%
+12.9% YoY
1.24%
+12.4% YoY
1.23%
+13.4% YoY
73%
Net Interest Margin ? 4.24%
-5.9% YoY -5.2% QoQ
+0.31% 3.93%
+6.0% YoY
4.12%
+1.2% YoY
3.89%
+5.7% YoY
70%
Efficiency Ratio ? 65.19%
+3.2% YoY +3.8% QoQ
-0.09% 65.29%
-4.5% YoY
70.37%
-1.0% YoY
66.95%
-4.1% YoY
44%
Delinquency Rate ? 0.89%
-57.2% QoQ
+0.00% 0.89%
+18.8% YoY
1.51%
+4.5% YoY
0.95%
+18.8% YoY
31%
Loan-to-Deposit Ratio ? 67.27%
-5.0% YoY -0.6% QoQ
-9.37% 76.64%
+0.8% YoY
75.16%
-1.5% YoY
76.70%
+0.9% YoY
71%
Non-Interest-Bearing Deposit Share ? 31.48%
-4.4% YoY +3.4% QoQ
+9.46% 22.02%
-1.0% YoY
24.55%
-1.4% YoY
22.01%
-1.2% YoY
Top 14.7% in tier
Nonperforming Asset Ratio ? 1.31%
+6.2% QoQ
+0.68% 0.64%
+19.7% YoY
1.07%
+4.2% YoY
0.67%
+19.3% YoY
Bottom 13.9% in tier
Tier 1 Capital Ratio ? 18.09%
-2.6% YoY +3.7% QoQ
+2.26% 15.83%
+1.5% YoY
16.56%
+0.4% YoY
17.06%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.19%
-8.7% YoY -72.3% QoQ
-0.09% 0.28%
+9.3% YoY
0.11%
-17.3% YoY
0.32%
+4.1% YoY
84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

393
Non-Interest-Bearing Deposit Share
funding
Value: 31.48%
Peer Median: 22.02%
#393 of 2664 Top 14.7% in $100M-$1B
417
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#417 of 2664 Top 15.6% in $100M-$1B
501
Tier 1 Capital Ratio
capital
Value: 18.09%
Peer Median: 15.83%
#501 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (1 metrics)

2294
Nonperforming Asset Ratio
credit_quality
Value: 1.31%
Peer Median: 0.64%
#2294 of 2664 Bottom 13.9% in $100M-$1B
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