BlastPoint's Banking Scorecard
City Bank
Lubbock, TX
36 branches across TX · NM
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +22.6% year over year ($4.7B on the books).
- Delinquency rate 0.25%.
- Return on assets 1.52%.
- Efficiency ratio 60.26% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.00% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
City Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.34% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.53% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
+23.5% YoY
+16.0% QoQ
|
+$2.6B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 12.7% in tier |
| Total Loans ? |
$3.7B
+21.5% YoY
+21.3% QoQ
|
+$1.8B |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 13.0% in tier |
| Total Deposits ? |
$4.7B
+22.6% YoY
+14.7% QoQ
|
+$2.4B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 11.8% in tier |
| Return on Assets ? |
1.52%
+9.1% YoY
+4.0% QoQ
|
+0.13% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.21%
+0.6% YoY
+2.6% QoQ
|
+0.34% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
60.26%
-1.2% YoY
-1.2% QoQ
|
+0.53% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.25%
-25.2% YoY
+53.8% QoQ
|
-0.61% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
79.00%
-0.9% YoY
+5.7% QoQ
|
-6.04% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
26.11%
-9.6% YoY
-4.3% QoQ
|
+4.84% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.19%
-24.0% YoY
+49.1% QoQ
|
-0.48% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.39%
-1.3% YoY
-2.9% QoQ
|
-1.45% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.47%
-9.7% YoY
+94.5% QoQ
|
-0.06% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.1%
-2.8pp YoY -1.2pp QoQ |
+4.7pp | 21.4% | 29.2% | 22.2% | 74% |
| Brokered Deposits |
5.5%
+0.1pp YoY +0.3pp QoQ |
-4.0pp | 9.5% | 8.0% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.5%
-1.0pp YoY -1.1pp QoQ |
-1.5pp | 14.0% | 14.8% | 12.5% | 57% |
| CRE |
53.8%
+2.0pp YoY +2.9pp QoQ |
+3.8pp | 50.0% | 48.4% | 41.4% | 62% |
| 1-4 Family |
19.5%
-0.3pp YoY -0.2pp QoQ |
-6.9pp | 26.4% | 25.8% | 31.3% | 41% |
| Consumer |
8.9%
-1.8pp YoY -1.7pp QoQ |
+4.2pp | 4.7% | 4.7% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
-0.2pp YoY -0.4pp QoQ |
-2.2pp | 15.6% | 22.7% | 19.7% | 48% |
| Leverage Ratio |
10.8%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 11.3% | 12.6% | 12.6% | 56% |
| Total Capital Ratio |
14.5%
-0.3pp YoY -0.5pp QoQ |
-2.2pp | 16.7% | 23.8% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
614
+43 (+7.5%) YoY +52 (+9.3%) QoQ |
+300 | 313 | 186 | 482 | 90% |
| Assets per Employee ($) |
$8.8M
+14.9% YoY +6.2% QoQ |
-$1.7M | $10.5M | $10.1M | $8.8M | 51% |
| Branch Count |
36
+2 (+5.9%) YoY +2 (+5.9%) QoQ |
+16 | 20 | 12 | 18 | 87% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 70% |
| Nonaccrual |
0.2%
-0.1pp YoY +0.1pp QoQ |
-0.6pp | 0.8% | 1.0% | 1.0% | 19% |
| Allowance Coverage |
5.58x
+29.8% YoY -36.5% QoQ |
-13.13x | 18.71x | 18.82x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
+0.7pp YoY +0.1pp QoQ |
+1.8pp | 12.6% | 13.2% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY +0.1pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$36.8M
+21.8% YoY — QoQ |
+$17.5M | $19.2M | $15.9M | $40.4M | 87% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.