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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lincoln, NE · FDIC certificate #5396
CITY BANK&TRUST CO is an FDIC-insured institution based in Lincoln, NE (FDIC certificate #5396). In its Q3 2026 Call Report it reported total assets of $356M, total deposits of $320M and net loans of $288M. Its primary federal regulator is FDIC.
Plain-language readout
CITY BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $356M in Q3 2026 and were lowest at $323M in Q2 2026.
Total deposits were highest at $320M in Q3 2026 and lowest at $288M in Q2 2026.
Over the whole period total assets rose 8.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $356M | $320M | $288M | 1.23% | 11.80% | 3.90% |
| Q2 2026 | $323M | $288M | $291M | 0.94% | 8.84% | 3.80% |
| Q1 2026 | $328M | $291M | $296M | 1.45% | 13.51% | 3.71% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.7M | $11.4M | +$1.3M | +11.8% |
| Federal funds sold | $2.4M | $2.7M | -$300K | -11.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $14.2M | $14.4M | -$246K | -1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.7M | $1.6M | +$155K | +9.9% |
| Net loans and leases (after allowance) | $289.1M | $294.8M | -$5.7M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $672K | $703K | -$31K | -4.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.5M | $2.7M | -$174K | -6.5% |
| Total assets | $323.2M | $328.2M | -$5.0M | -1.5% |
| Liabilities | ||||
| Total deposits | $288.4M | $291.0M | -$2.6M | -0.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $295K | -$295K | -100.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $851K | $1.1M | -$243K | -22.2% |
| Total liabilities | $289.2M | $292.4M | -$3.2M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $608K | $608K | $0K | 0.0% |
| Surplus | $21.4M | $21.4M | $0K | 0.0% |
| Retained earnings | $12.0M | $13.8M | -$1.8M | -12.9% |
| Accumulated other comprehensive income | -$43K | -$15K | -$28K | -186.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $34.0M | $35.8M | -$1.8M | -5.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.8M | $2.4M | +$400K | +16.4% |
| Adjusted nonperforming assets | $2.8M | $2.4M | +$400K | +16.4% |
| Tangible equity plus allowance | $38.2M | $39.1M | -$933K | -2.4% |
| Texas ratio (gross) | 7.41% | 6.21% | +1.20 pts | See points |
| Texas ratio (adjusted) | 7.41% | 6.21% | +1.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.97% | 11.76% | +1.21 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.03% | 10.63% | -0.60 pts | See points |
| Construction and land loans to total capital | 53.78% | 44.05% | +9.73 pts | See points |
| Commercial real estate to total capital | 302.52% | 314.02% | -11.50 pts | See points |
| Dividend payout, year to date | 166.86% | 38.03% | +128.83 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.13% | -0.04% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $255.9M | $248.6M | +$7.3M | +2.9% |
| Non-core funding | $32.5M | $42.7M | -$10.2M | -23.9% |
| Loans to core deposits | 114.59% | 119.90% | -5.31 pts | See points |
| Loans to deposits | 101.69% | 102.44% | -0.75 pts | See points |
| Brokered deposits share of deposits | 4.85% | 7.33% | -2.48 pts | See points |
| Pledged securities share of securities | 64.23% | 60.80% | +3.43 pts | See points |
| Loans pledged, share of loans | 24.70% | 25.74% | -1.04 pts | See points |
| Volatile liabilities | $32.5M | $42.7M | -$10.2M | -23.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.2M | +$1.3M | +104.8% |
| Earnings before provision, single quarter | $1.3M | $1.2M | +$59K | +4.8% |
| Provision for credit losses, year to date | $914K | $0K | +$914K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.91% | 5.90% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 2.79% | 2.91% | -0.12 pts | See points |
| Total interest income to average assets | 5.51% | 5.56% | -0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.75% | 1.91% | -0.16 pts | See points |
| Cost of savings and money market deposits | 0.23% | 0.24% | -0.01 pts | See points |
| Cost of time deposits | 4.10% | 4.14% | -0.04 pts | See points |
| Total interest expense to average assets | 1.91% | 2.04% | -0.13 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $356M | $320M | $288M | 1.23% | 11.80% | 3.90% |
| 2026-06-30 | $323M | $288M | $291M | 0.94% | 8.84% | 3.80% |
| 2026-03-31 | $328M | $291M | $296M | 1.45% | 13.51% | 3.71% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $281.5M | 0.30% | 64 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.