# CITY BANK
LUBBOCK, TX · FDIC certificate 25103 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.39B | |
| Deposits | $4.72B | |
| Loans and leases | $3.78B | |
| Total equity | $598.9M | |
| Loans / deposits | 79.00% (p30 of band) | 87.10% |
| Liquid assets / assets | 24.92% (p64 of band) | |
| Uninsured deposits / deposits | 36.70% (p65 of band) | 30.76% |
| Brokered deposits | 4.81% | |
| Wholesale funding | 4.81% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -11.17% (p37 of band) | -7.75% |
| AOCI / equity | 0.45% (p92 of band) | |
| ROA (annualized) | 1.52% (p70 of band) | 1.26% |
| Net interest margin | 4.21% (p78 of band) | 3.70% |
| Efficiency ratio | 60.26% (p54 of band) | |
| Noncurrent loans | 0.25% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 558.40% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 80.80% (p79 of band) | |
| Auto loans | $268.5M (7.10% of loans; DQ 0.23%, NCO 0.01%) | |
| Loans to nondepository financials | $106.2M (18% of equity) (p91 of band) | |
| Deposits YoY | 22.6% | |
| Employees | 614 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | charge-offs p90 |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | construction >100% equity |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 | expense ratio p90 | capital falling, charge-offs p90 |
| 2016-09 | 0 |  | expense ratio p90 |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 0 |  | expense ratio p90, charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-03 [Lubbock bank to buy Houston lender for $106M - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxPMVVEN1hwMWxNWm5tX2NoYkxOS3pRRGJWSlRhWnQ0cTh1VnVONFlDeFRTYXFOeGhrd2hBczVYSHZucUZRZFRLd3M5VXRDaXpCd1M1OVFMYjZNcE5SNGNoWjM5Q3JsNXNna2FOWUFRY1N3VXZpLTB4dWVaTDZGaW9zSTNja3ktREF4djJZTVRrZ2VTaFM0VnU2czNRN1NfUQ?oc=5) · Banking Dive
- 2026-01-12 [‘She will be missed’: City Bank employee retires after 77 years in banking - CBS7](https://news.google.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?oc=5) · CBS7
- 2026-02-05 [Lubbock County tax office at City Bank to close permanently - KCBD](https://news.google.com/rss/articles/CBMijwFBVV95cUxPV0ktbGRkZEJraGxKZnVXX0RwNE4ySlI0NklNMTNqUWxCWEI4bWNGNHFoempJblVwWktYTXhHbXJoNVViUnFYc2pHNVZTRVlOVnRYVlNDV1dFT01sbGtmbGg1cjZEcWZHZkJaRk84cjZwSXBiOE1iRGFlLXJfNEZ4MUVrZEItZzBfcmUwRk1Pa9IBowFBVV95cUxQVnFYU1hNMzhwaDB6YmgyQTZCNHJPbzliUFZhUVdsZUc3OTRkc3NVSDJLa25GWXFLVkpPMlIwRFFKeUp1NVdETWtJZnRzckdhVzBub0FUc3hCMEh1M1BwTW9xM00wM0RLV3dwYy1xTS1DbFNFUHI0TUx5aGpZY3d5bWVkME8xQTNaSUg4dy1OY282dnBnYmRfTnBGNFdldC0zN0dF?oc=5) · KCBD
- 2026-04-02 [Lubbock-based South Plains Financial completes acquisition of Bank of Houston - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNzgzLWczdzJLRlZJRzgxWDAtN3JZN2Vid0VfX3BYSDNCUmpWM3ZGNDZxeXQzVHEtRV9rU3dTTVFFZE9neFNuaDhqQ2VlMU5iTklMS1RvbXBrWWdTWUhpTHBIVDhJc0tBYVpGVlNBWm9ObEwxWjI5RzU5bU5yNUU4UnVmNEJ5OUZoZ041Q0t0ZmY4X0Z4YmZYLVBGdi0wcG1JV3dEU1J6T01lSkU?oc=5) · The Business Journals
- 2025-12-02 [Deal would boost Lubbock-based bank's profile in Houston - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxObnk5eGUyQkt5TXNLRVVTckVSbUs2SGlMRHlXUzczOEpDd3NOdVZvYUZWVFJhZ2Vpa0NpaFFkQk1UUWJybmNUTllVU0pTTEcyZUpSYzVlM0M2RTJKMnNKM1Z0SjVUS2xiTG55bzBGdXlfcGFBZC13bm05NkJqdlBpOFBuSnRseEExZHRXM3ZzSkllWWl0ZUE?oc=5) · American Banker
- 2025-12-11 [City Bank names Community Rewards winners - Odessa American](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSGQ2dWV2eUc2NlZkR1lwZkFEMk5TYV9YemhxR3JSTnZENzh6a1B6V2RQV3BPUEVpMUNvSlBYRjdaNUxUamk1V0tWeE95ZmdzR3paZ05vanN4Y3pFQUduOG45a0VoaDVKam5sN0N5RV82dURGa2xqc0xrVG9pQ1lMMUhzT01taEU1Z1oycU9sVjEtTlhVV1ZsbQ?oc=5) · Odessa American
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-06 [Why is Lubbock County closing tax office at City Bank? What to know - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPOTF0NjVmc180dGJxZmVCWmw1TUI2WGtMYUJqNEdqNnVUQkNFVFNDalNhRFZJcm9EMThSRU9hSl9JS1o5SjBXVU1DdENIODJMTnFINXFoWVhvNk9xa3p5X2dRWGdDeGx1SUh2SzYzYjlQc2pZQnpvc1VRVVVVMkY4OGZNczRmUERNVk9KR3JVSkdnejRyZ29rYVY2eTVWQ1puMzQ2RWVrcEMxZFJOT29lN0l0TU1YUkthcTcwdG9WbkhUN2dMYUJJSWxuSGw4LXo2XzVGU1A0UEw5dFJKVjhXR3FtaUIwUQ?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25103 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "25103", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide