City Bank & Trust Co.: how it compares with its peers
Against 57 NE banks with half to twice its assets, City Bank & Trust Co.'s strongest measure in Q2 2026 is net interest margin (3.80% vs. a 3.95% peer median). Its weakest relative measure is return on assets (0.94% vs. 1.43%).
| Measure | City Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.94% | 1.43% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.95% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.11% | 57.12% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.3M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.83% | 84.81% | Context |
What it means for lending operations
Its efficiency ratio of 62.11% is above the 57.12% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security Bank Laurel, NE · $310M
- Pathway Bank Cairo, NE · $338M
- First Community Bank Beemer, NE · $342M
- Premier Bank National Association Omaha, NE · $342M
- The Tri-County Bank Stuart, NE · $299M
- F&M Bank West Point, NE · $355M
Questions about City Bank & Trust Co.
How big is City Bank & Trust Co.?
City Bank & Trust Co., established in 1910, is headquartered in Lincoln, NE. It reported $323M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is City Bank & Trust Co.'s return on assets?
0.94% annualized in Q2 2026, against a 1.43% median for 57 NE banks with half to twice its assets, ahead of 12% of them.
What is City Bank & Trust Co.'s efficiency ratio?
62.11% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 57.12%, and lower is better.
Is City Bank & Trust Co. growing its loans?
Net loans shrank 0.5% over the year to Q2 2026, while deposits grew 2.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.