City Bank (FDIC #25103): Bank Stress & Real-Estate Credit Exposure
City Bank (FDIC Cert #25103): bank stress 56/100, moderate, STABLE over 7 days; parent SOUTH PLAINS FINANCIAL INC.
City Bank (#25103) lends in 16 counties across 2 states; City Bank (#25103) reaches 421 ZIP codes: Texas 15 counties, 403 ZIPs; New Mexico 1 county, 18 ZIPs.
City Bank (#25103) largest markets: Harris County, TX (286 branches, 143 ZIPs) (#25103), Dallas County, TX (95 branches, 95 ZIPs) (#25103), Collin County, TX (40 branches, 40 ZIPs) (#25103), El Paso County, TX (62 branches, 31 ZIPs) (#25103), Lubbock County, TX (208 branches, 26 ZIPs) (#25103), Lincoln County, NM (18 branches, 18 ZIPs) (#25103).
City Bank (#25103) reports $5.39 billion in total assets; City Bank (#25103) equity $598.9 million (11.1% of City Bank (#25103) assets); City Bank (#25103) domestic deposits $4.72 billion; City Bank (#25103) net income $36.8 million; City Bank (#25103) return on assets 1.52%; City Bank (#25103) return on equity 14.40%; City Bank (#25103) net interest income $95.0 million; City Bank (#25103) call report June 30, 2026.
City Bank (#25103) noncurrent real-estate loans: none reported; City Bank (#25103) net charge-offs on real estate 0.30%; City Bank (#25103) multifamily charge-offs 0.84%; City Bank (#25103) residential charge-offs 0.03%.
City Bank (#25103) net interest margin 4.21% against an eight-quarter City Bank (#25103) average of 4.09% (City Bank (#25103) compression -0.12 points); City Bank (#25103) non-residential real estate 2.8% of equity; City Bank (#25103) rate-exposure score 40/100, City Bank (#25103) fixed-rate trap 40/100; City Bank (#25103) risk type credit driven; City Bank (#25103) rate regime rates elevated, City Bank (#25103) snapshot October 20, 2026.
City Bank (#25103) stress score moved from 59.6 on June 22, 2026 to 56.2 on October 20, 2026; City Bank (#25103) ranged 56.2 to 59.6 over 117 snapshots.
City Bank (#25103) alerts: 16 counties; top City Bank (#25103) alert scores: Dallas County, TX 35 (low); El Paso County, TX 32 (low); Lubbock County, TX 25 (low); Houston County, TX 23 (low); Midland County, TX 23 (low).