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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

City Bank

Lubbock, Texas · $5.39B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

5.6x
Coverage of noncurrent
1st of 11
+21.4%
Loans, year over year
3rd of 12, largest first
0.25%
NPA / loans
4th of 12

City Bank is the fourth largest of the 12 Texas banks nearest its size between $3B and $10B, with $5.39B in assets at 30 June 2026. Loans are 80.1% of deposits, 8th of 12 against a median of 71.8%, and equity is 11.1% of assets, 6th of 12. Loans grew +21.4% in the year, 3rd of 12, and deposits grew 22.6%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 0.25% of the book, 4th of 12 against a median of 0.55%; 0.23% is 30 to 89 days past due, and the allowance covers them 5.6 times. Commercial real estate is 39.0% of loans, 7th of 12 against a median of 38.8%, and 239% of capital, below the 300% screen, with construction at 78% against the 100% screen.

Return on assets is 1.37%, 7th of 12 against a median of 1.46%, on an efficiency ratio of 60.7%, 8th of 12. Five years ago it was 1.68%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.55% TE Texas Exchange Bank 0.00% BN Broadway National Bank 0.19% AN American National Bank of Texas 0.23% CB City Bank 0.25% IN Inwood National Bank 0.37% TC Third Coast Bank 0.50% TB Texas Bank & Trust Co. 0.61% VB Vantage Bank Texas 0.87% VN Verabank National Association 0.96% FN First National Bank Texas 1.23% CC Cornerstone Capital Bank SSB 3.62% IB International Bank of Com 9.17%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% CC Cornerstone Capital Bank SSB +67.5% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

City Bank is the 145th largest 7(a) lender into Texas of 706, with $48M across 164 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 24 of its 28 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lubbock, TX$16M5th of 974.3%-1.8 pts
Dallas, TX$6M126th of 3140.1%quiet FY2015
El Paso, TX$5M28th of 980.9%-1.7 pts
Denton, TX$5M78th of 2240.3%quiet FY2019
Collin, TX$5M105th of 2610.2%quiet FY2017
Brazos, TX$3M27th of 921.2%thin
Lincoln, NM$2M7th of 235.9%quiet FY2013
Tarrant, TX$2M175th of 2810.1%quiet FY2017
Kaufman, TX$1M44th of 860.6%quiet FY2015
Ward, TX$1M8th of 125.8%quiet FY2018
Ector, TX$780K44th of 710.3%quiet FY2019
Andrews, TX$662K8th of 153.8%quiet FY2017
Cochran, TX$550K1st of 348.7%quiet FY2016
15 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing20$9M17.8%0.02%490th of 2,246
Retail trade29$9M17.5%0.01%519th of 2,589
Construction15$7M13.2%0.02%472nd of 2,063
Health care & social assistance17$5M9.1%0.01%581st of 2,172
Accommodation & food services18$4M8.5%0.01%873rd of 2,596
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and City Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans CB City Bank 0.1% $48M · 164 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
City BankRankCohort median
Total CRE against capital, the 300% screen239%8th of 12221%
Construction against capital, the 100% screen78%9th of 1257%
Construction and land development, share of loans12.8%8th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans20.2%5th of 1222.2%
Total CRE, the guidance definition, share of loans39.0%7th of 1238.8%
CRE growth over 36 months, the third prong+28.3%7th of 12+24.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
City BankCohort median
20212026Change20212026Change
Loans$2.38B$3.78B+59%$1.84B$2.99B+62%
Deposits$3.24B$4.72B+46%$3.02B$4.06B+34%
NPA / loans0.53%0.25%-0.27 pts0.39%0.55%+0.16 pts
Efficiency66.1%60.7%-5.4 pts65.7%57.9%-7.8 pts
ROA1.68%1.37%-0.31 pts1.26%1.46%+0.20 pts

This read was prepared for City Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on City Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.city.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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