BlastPoint's Banking Scorecard
City Bank & Trust Co.
Micro
Specialty: Commercial
NE
FDIC cert 5396
Designations: ✓ Community bank
Lincoln, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
City Bank & Trust Co. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.56% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$334.4M
+1.9% YoY
+3.3% QoQ
|
+$116.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$299.7M
+3.2% YoY
+3.8% QoQ
|
+$160.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$287.9M
-2.0% YoY
+5.3% QoQ
|
+$104.2M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.17%
+16.6% YoY
+16.1% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.54%
+14.5% YoY
+2.1% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
60.09%
-7.5% YoY
-2.9% QoQ
|
-7.63% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.60%
+77.1% YoY
+84.4% QoQ
|
-0.04% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
104.09%
+5.4% YoY
-1.4% QoQ
|
+29.56% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.52%
+7.7% YoY
-14.0% QoQ
|
-4.88% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.54%
+51.9% YoY
+85.2% QoQ
|
+0.09% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
-26.7% YoY
+39.9% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
104.09%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.09% · Tier avg: 74.53%
92
92th pctile
Total Loans
Current: $299.7M · Tier avg: $139.2M
79
79th pctile
Total Deposits
Current: $287.9M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $334.4M · Tier avg: $217.5M
67
67th pctile
Efficiency Ratio
Current: 60.09% · Tier avg: 67.73%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 22.39%
Top Weaknesses
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 22.39%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 60.09% · Tier avg: 67.73%
78
78th pctile
Total Assets
Current: $334.4M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $287.9M · Tier avg: $183.7M
92
92th pctile
Total Loans
Current: $299.7M · Tier avg: $139.2M
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.09% · Tier avg: 74.53%