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City Bank & Trust Co.

$100M-$1B Specialty: Commercial NE FDIC cert 5396

Lincoln, NE

5 branches across NE

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +2.4% year over year ($288.4M on the books).
  • Delinquency rate 0.97%.
  • Return on assets 0.94%.
  • Efficiency ratio 62.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

City Bank & Trust Co. has 1 strength but faces 6 concerns

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

  • + Efficiency Ratio 2.37% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 12.0% in tier
  • - Liquidity Strain: Bottom 27.6% in tier
  • - Flatlined Growth: Bottom 28.5% in tier
  • - ROA 0.38% below tier average
  • - Net Interest Margin 0.19% below tier average
  • - Delinquency Rate 0.06% above tier average
Get updates when City Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $323.2M
-0.1% YoY -1.5% QoQ
-$63.3M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $290.8M
-0.5% YoY -1.9% QoQ
+$32.4M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $288.4M
+2.4% YoY -0.9% QoQ
-$38.4M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.94%
+16.9% YoY -34.9% QoQ
-0.38% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.80%
+16.4% YoY +2.4% QoQ
-0.19% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 62.11%
-5.2% YoY +0.0% QoQ
-2.37% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.97%
+235.3% YoY +18.7% QoQ
+0.06% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 100.83%
-2.9% YoY -1.0% QoQ
+22.88% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ? 25.33%
+28.5% YoY +41.5% QoQ
+3.30% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.88%
+234.0% YoY +18.2% QoQ
+0.21% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 10.03%
+2.7% YoY -5.7% QoQ
-5.88% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 11.0% in tier
Non-Interest Income / Assets ? 0.18%
+8.2% YoY +129.0% QoQ
-0.39% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
43%

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 25.3%
+5.6pp YoY
+7.4pp QoQ
 +3.2pp 22.1% 17.6% 22.2% 67%
Brokered Deposits 4.9%
-7.3pp YoY
-2.5pp QoQ
 -3.0pp 7.9% 8.9% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 12.2%
-1.8pp YoY
-0.1pp QoQ
 +0.7pp 11.6% 12.3% 12.5% 64%
CRE 58.9%
+1.6pp YoY
-1.1pp QoQ
 +19.4pp 39.5% 32.3% 41.4% 83%
1-4 Family 23.6%
+3.0pp YoY
+1.7pp QoQ
 -9.1pp 32.6% 16.9% 31.3% 38%
Consumer 3.0%
-0.9pp YoY
-0.1pp QoQ
 -1.1pp 4.1% 3.1% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 10.0%
+0.3pp YoY
-0.6pp QoQ
 -2.1pp 12.2% 12.1% 12.6% 32%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 47
+5 (+11.9%) YoY
+3 (+6.8%) QoQ
 -12 58 98 482 49%
Assets per Employee ($) $6.9M
-10.8% YoY
-7.8% QoQ
 -$641K $7.5M $8.5M $8.8M 50%
Branch Count 5
0 YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 24%
Nonaccrual 1.0%
+0.7pp YoY
+0.2pp QoQ
 0.0pp 0.9% 0.8% 1.0% 70%
Allowance Coverage 1.48x
-57.2% YoY
+8.4% QoQ
 -22.67x 24.15x 31.69x 20.23x 39%
Net Charge-off Rate (YTD) 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 8.8%
+0.8pp YoY
-4.7pp QoQ
 -3.4pp 12.2% 12.3% 11.6% 30%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.9% 1.7% 76%
Net Income ($, YTD) $1.5M
+16.9% YoY
— QoQ
 -$1.0M $2.6M $6.1M $40.4M 43%

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 (3)

Capital Thin

risk
#80 of 661 • Bottom 12.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.03%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#192 of 691 • Bottom 27.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.83%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#152 of 529 • Bottom 28.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.94%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2408
Loan-to-Deposit Ratio
liquidity
Value: 100.83%
Peer Median: 77.95%
#2408 of 2643 Bottom 8.9% in $100M-$1B
2352
Tier 1 Capital Ratio
capital
Value: 10.03%
Peer Median: 15.91%
#2352 of 2643 Bottom 11.0% in $100M-$1B
2019
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.67%
#2019 of 2643 Bottom 23.6% in $100M-$1B
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