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        <link:definition>081800 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
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        <link:definition>081900 - Disclosure - SEGMENT INFORMATION (Tables)</link:definition>
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        <link:definition>082200 - Disclosure - BUSINESS COMBINATIONS (Tables)</link:definition>
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        <link:definition>090100 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)</link:definition>
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        <link:definition>090200 - Disclosure - SECURITIES, Available for Sale (Details)</link:definition>
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        <!--Parent Role: SECURITIES-->
        <link:definition>090202 - Disclosure - SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/SecuritiesSecuritiesTransferredAndSecuritiesPledgedDetails" id="SecuritiesSecuritiesTransferredAndSecuritiesPledgedDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090204 - Disclosure - SECURITIES, Securities Transferred and Securities Pledged (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/SecuritiesSecuritiesWithUnrealizedLossesAvailableForSaleDetails" id="SecuritiesSecuritiesWithUnrealizedLossesAvailableForSaleDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090206 - Disclosure - SECURITIES, Securities with Unrealized Losses, Available for Sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090300 - Disclosure - LOANS HELD FOR INVESTMENT, Summary of Loans by Category (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090302 - Disclosure - LOANS HELD FOR INVESTMENT, Activity in Allowance for Loan Losses (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090304 - Disclosure - LOANS HELD FOR INVESTMENT, Investment in loans Disaggregated Based on Method of Evaluating Impairment (Details)</link:definition>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090306 - Disclosure - LOANS HELD FOR INVESTMENT, Impaired Loan Information (Details)</link:definition>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090308 - Disclosure - LOANS HELD FOR INVESTMENT, Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details)</link:definition>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090310 - Disclosure - LOANS HELD FOR INVESTMENT, Summary of Internal Classifications of Loans (Details)</link:definition>
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        <!--Parent Role: LOANS HELD FOR INVESTMENT-->
        <link:definition>090312 - Disclosure - LOANS HELD FOR INVESTMENT, COVID-19 Related Deferral and Modification (Details)</link:definition>
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        <!--Parent Role: FORECLOSED ASSETS-->
        <link:definition>090400 - Disclosure - FORECLOSED ASSETS, Foreclosed Assets Activity (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: FORECLOSED ASSETS-->
        <link:definition>090402 - Disclosure - FORECLOSED ASSETS, Activity in Valuation Allowance (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: FORECLOSED ASSETS-->
        <link:definition>090404 - Disclosure - FORECLOSED ASSETS, Net Expenses Related to Foreclosed Assets (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>090500 - Disclosure - PREMISES AND EQUIPMENT (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/GoodwillAndIntangiblesDetails" id="GoodwillAndIntangiblesDetails">
        <!--Parent Role: GOODWILL AND INTANGIBLES-->
        <link:definition>090600 - Disclosure - GOODWILL AND INTANGIBLES (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/MortgageServicingRightsDetails" id="MortgageServicingRightsDetails">
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        <link:definition>090700 - Disclosure - MORTGAGE SERVICING RIGHTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://city.bank.com/role/DepositsDetails" id="DepositsDetails">
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        <link:definition>090800 - Disclosure - DEPOSITS (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>090900 - Disclosure - BORROWING ARRANGEMENTS, Short-term Borrowings (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: BORROWING ARRANGEMENTS-->
        <link:definition>090902 - Disclosure - BORROWING ARRANGEMENTS, Lines of Credit (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: BORROWING ARRANGEMENTS-->
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        <!--Parent Role: BORROWING ARRANGEMENTS-->
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        <!--Parent Role: BORROWING ARRANGEMENTS-->
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        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091000 - Disclosure - EMPLOYEE BENEFITS, Employee Stock Ownership Plan (Details)</link:definition>
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        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091002 - Disclosure - EMPLOYEE BENEFITS, Employee Health Benefits (Details)</link:definition>
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        <!--Parent Role: EMPLOYEE BENEFITS-->
        <link:definition>091004 - Disclosure - EMPLOYEE BENEFITS, Non-Qualified Plans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091100 - Disclosure - STOCK-BASED COMPENSATION, Equity Incentive Plan (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091102 - Disclosure - STOCK-BASED COMPENSATION, Stock Options Activity (Details)</link:definition>
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        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091104 - Disclosure - STOCK-BASED COMPENSATION, Fair Value Assumptions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: STOCK-BASED COMPENSATION-->
        <link:definition>091106 - Disclosure - STOCK-BASED COMPENSATION, Restricted Stock Awards and Units (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: INCOME TAXES-->
        <link:definition>091200 - Disclosure - INCOME TAXES, Components of Income Tax Expense (Benefit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: INCOME TAXES-->
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <!--Parent Role: INCOME TAXES-->
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <!--Parent Role: RELATED-PARTY TRANSACTIONS-->
        <link:definition>091300 - Disclosure - RELATED-PARTY TRANSACTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <!--Parent Role: OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES-->
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        <link:definition>091500 - Disclosure - CAPITAL AND REGULATORY MATTERS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091800 - Disclosure - EARNINGS PER SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>091900 - Disclosure - SEGMENT INFORMATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: FAIR VALUE DISCLOSURES-->
        <link:definition>092102 - Disclosure - FAIR VALUE DISCLOSURES, Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements (Details)</link:definition>
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        <link:definition>092104 - Disclosure - FAIR VALUE DISCLOSURES, Estimated Fair Values, and Related Carrying Amounts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: BUSINESS COMBINATIONS-->
        <link:definition>092200 - Disclosure - BUSINESS COMBINATIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <!--Parent Role: SUBSEQUENT EVENTS-->
        <link:definition>092300 - Disclosure - SUBSEQUENT EVENTS (Details)</link:definition>
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</xs:schema>
