BlastPoint's Banking Scorecard
City Bank & Trust Co.
Lincoln, NE
5 branches across NE
City Bank & Trust Co. has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.18% above tier average
- + Efficiency Ratio 3.18% below tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 11.6% in tier
- - Credit Risk Growth: Bottom 37.0% in tier
- - Liquidity Strain: Bottom 42.1% in tier
- - Flatlined Growth: Bottom 46.1% in tier
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.2M
-1.6% YoY
-1.9% QoQ
|
-$57.9M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$296.4M
+2.1% YoY
-1.1% QoQ
|
+$40.6M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$291.0M
-2.8% YoY
+1.1% QoQ
|
-$37.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.45%
+326.1% YoY
+23.8% QoQ
|
+0.18% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.71%
+22.1% YoY
+4.9% QoQ
|
-0.22% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
62.11%
-10.7% YoY
+3.4% QoQ
|
-3.18% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.82%
+478.3% YoY
+35.7% QoQ
|
-0.07% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
101.83%
+5.1% YoY
-2.2% QoQ
|
+25.20% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.91%
+8.3% YoY
+2.2% QoQ
|
-4.11% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.74%
+499.7% YoY
+36.8% QoQ
|
+0.10% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.63%
+10.6% YoY
+0.8% QoQ
|
-5.20% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.08%
+35.6% YoY
-79.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
36% |
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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 (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.