City Bank (TX)

Overview / Commentary
5219 City Bank Parkway
Lubbock, TX 79407

City Bank (TX) is headquartered in Lubbock and is the 25th largest bank in the state of Texas. It is also the 346th largest bank in the nation. It was established in 1984 and as of December of 2018, it had grown to 684 employees at 37 locations. City Bank (TX)'s money market rates are 2X the national average, and it has an A health rating.

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Reviews (1)

Best banks are local banks

I have been a customer with City Bank since 2004. They offer a free checking account with a free debit card and free checks with no minimum requirements. It is very hard to find a bank or credit union that does not charge you for at least one of those items. A few years ago, they launched a mobile app that won a national award. I love their app. I use it to view all of my accounts with them and to do mobile deposits. I can easily cancel my debit card if I lose it, increase the withdrawal limit, and activate foreign transactions with a touch of a button. Their customer service is fantastic. If I call or email, I am promptly helped and always given a solution to my issue. Even when I go in person, they know me by name. Their fees are also lower than the national average. I am won over by their wonderful service and the attention they give me as a customer that I refuse to leave their bank. Even when I moved to Germany, they were still my main bank. I was able to do everything via email if the need arose.


Health Grade Components

FDIC Certificate #25103
Year Established1984
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD13.29%
Annual Interest Income$118.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$2.71B$2.57B
LoansQ4 2018vs Q4 2017$1.97B$1.84B
DepositsQ4 2018vs Q4 2017$2.30B$2.18B
Equity CapitalQ4 2018vs Q4 2017$269.0MM$254.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$23.1MM$21.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$5.1MM$11.8MM
Real Estate OwnedQ4 2018vs Q4 2017$2.2MM$2.7MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

City Bank (TX) Money Market Rates

1.00%*$100k*-Money Market
OTHER TIERS: 0.30% $1.5k - $25k | 0.55% $25k - $50k | 0.70% $50k - $100k
1.00%*$100k*-Business Money Market
OTHER TIERS: 0.30% $1.5k - $25k | 0.55% $25k - $50k | 0.70% $50k - $100k

City Bank (TX) Checking Account Rates

1.11%*-$150kReward Checking Best
OTHER TIERS: 0.85% $150k+
1.01%--Reward Plus Best
1.01%*$100k*$150kRPM Checking
OTHER TIERS: 0.01% Up to $10k | 0.55% $10k - $100k | 0.75% $150k+
0.75%--Reward Plus Better
0.75%--RPM Plus Checking Best
0.60%*-$150kReward Checking Better
OTHER TIERS: 0.55% $150k+
0.50%--RPM Plus Checking Better
0.10%$1k-Business Interest Checking
0.10%$1k-Interest Checking


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