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5219 City Bank Parkway
Lubbock, TX 79407

City Bank (TX) is headquartered in Lubbock and is the 23rd largest bank in the state of Texas. It is also the 338th largest bank in the nation. It was established in 1984 and as of March of 2014, it had grown to 534 employees at 24 locations. City Bank (TX) has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 City Bank (TX) had $33.76 million in non-current loans and owned real-estate with $235.42 million in equity and loan loss allowances on hand to cover it. This gives City Bank (TX) a Texas Ratio of 14.34% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for City Bank (TX) decreased dramatically from 29.06% as of March 31, 2013 to 14.34% as of March 31, 2014, resulting in a positive change of 50.64%.This indicates that the balance sheet and financial strength for City Bank (TX) has improved dramatically in recent periods.

Deposit Growth


In the past year, City Bank (TX) has increased its total deposits by $90.19 million, resulting in 5.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth City Bank (TX) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. City Bank (TX) has $2.15 billion in assets with $235.42 million in equity, resulting in a capitalization level of 10.94%, which is above average.

Institution Statistics

FDIC Certificate #25103
Year Established1984
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.15 billion
Loans$1.30 billion
Deposits$1.89 billion
Equity Capital$207.88 million
Loan Loss Allowance$27.54 million
Unbacked Noncurrent Loans$16.06 million
Real Estate Owned$17.70 million
Historic Data - March 2013
Assets$2.06 billion
Equity Capital$203.32 million
Loan Loss Allowance$27.71 million
Unbacked Noncurrent Loans$16.06 million
Real Estate Owned$22.35 million
Profit Margin - Quarterly
Return on Assets0.77%
Return on Equity8.02%
Interest Income$19.89 million
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City Bank (TX) Money Market Rates

0.40%$100k-Money Market
0.40%$100k-Business Money Market

City Bank (TX) Checking Account Rates

0.85%-$150kReward Checking Best - Qualifying
0.60%$100k$150kRPM Checking
0.50%--Reward Plus Best - Qualifying
0.40%-$150kReward Checking Better - Qualifying
0.25%--Reward Plus Better - Qualifying
0.10%$1k-Business Interest Checking
0.10%$1k-Interest Checking
0.05%--Reward Checking - Non Qualifying
0.05%--Reward Plus - Non Qualifying

City Bank (TX) has 23 locations. Click to view all City Bank (TX) locations.