← Back to Institutions
City Bank
Lubbock, TX·FDIC Cert #25103·Charter: STATE·Est. 19840413.0·HC: SOUTH PLAINS FINANCIAL INC
Total Assets
$4.5B
Q4 2025
Return on Assets
1.47%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.61%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.47%+0.01
ROE
14.42%+0.02
Efficiency
59.61%-0.44
Equity/Assets
0.00%+0.00
NPL Ratio
0.32%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.64%+2.17
Charge-offs
0.10%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.4 | 1.5 | 1.5 |
| ROE | 12.1 | 12.1 | 12.0 | 13.2 | 12.7 | 13.7 | 14.4 | 14.4 |
| Efficiency | 64.2 | 63.8 | 64.3 | 61.8 | 63.9 | 61.0 | 60.1 | 59.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.8 | 0.8 | 0.8 | 0.2 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 80.0 | 82.5 | 78.7 | 81.4 | 78.1 | 79.7 | 76.5 | 78.6 |
Balance Sheet
Total Assets$4.5B
Total Deposits$4.0B
Total Loans$3.1B
Total Equity$465.1M
Profitability
ROA1.47%
ROE14.42%
Efficiency Ratio59.61%
Net Income$64.7M
Risk & Asset Quality
NPL Ratio0.32%
Charge-off Rate0.10%
Loan/Deposit78.64%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans