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Citizens National Bank at Brownwood

Brownwood, TX · Cert 14779 · Brownwood Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens National Bank at Brownwood

Brownwood, TX · Cert 14779 · Brownwood Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$303.4MAssets
$110.6MLoans
$272.4MDeposits
$28.8MEquity
Loan mix
73%RE $71.2M22%C&I $21.8M5%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $175.0M36%Noninterest $97.5MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.08%Q2 ’254.28%Q2 ’26+23%+14%

Non-interest income vs. expense

2.20%Q2 ’242.30%Q2 ’252.31%Q2 ’26-23%+35%

Executive Summary

  • Earnings: ROA of 1.15%, down 5 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.74% of loans (+1 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.47%, down 15 bps from a year ago.
  • Funding: loans stand at 40.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+41 bps YoY

Efficiency Ratio (YTD, annualized)

60.38%+85 bps YoY

Tier 1 Leverage Ratio

10.47%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.27%1.17%1.10%1.15%-5 bps
Return on Equity13.38%13.83%12.68%11.38%12.04%-134 bps
Net Interest Margin2.84%2.87%2.91%3.11%3.25%+41 bps
Efficiency Ratio59.53%58.35%60.41%61.75%60.38%+85 bps
Non-Interest Burden1.28%1.24%1.40%1.69%1.73%+45 bps
Growth
Asset Growth (YoY)-0.81%3.24%8.07%2.78%4.33%+514 bps
Loan Growth (YoY)6.80%-0.46%-2.10%3.42%-1.85%-865 bps
Deposit Growth (YoY)4.27%9.90%7.14%1.91%4.21%-6 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.52%1.14%1.39%0.74%+1 bps
Net Charge-Offs / Loans0.17%0.13%0.10%0.14%0.06%-11 bps
Allowance / Loans1.65%1.71%1.85%1.70%1.73%+8 bps
Allowance Coverage of NPLs2.3x3.3x1.6x1.2x2.4x+0.1x
Capital
Tier 1 Leverage Ratio10.62%10.54%10.33%10.28%10.47%-15 bps
Total Risk-Based Capital10.62%10.54%10.33%10.28%10.47%-15 bps
Equity / Assets9.39%9.66%9.50%9.75%9.49%+10 bps
Liquidity & Funding
Loans / Deposits43.11%41.13%37.39%41.99%40.60%-251 bps
Liquid Assets / Assets23.83%20.54%20.62%14.99%16.96%-687 bps
CRE / Total Capitaln/a79.91%76.85%89.70%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens National Bank at Brownwood

Brownwood, TX · Cert 14779 · Peer group: banks under $1B in assets in TX (n=208-211) · Brownwood Bancshares Inc.

National charter · OCC · 2 branches

Q2 2026

$303.4MAssets
$110.6MLoans
$272.4MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 58% of banks under $1B in assets in TX (rank 89 of 211).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in TX (rank 188 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.15%

Rank 113 of 211

Net Interest Margin

3.25%

Rank 163 of 211

Efficiency Ratio

60.38%

Rank 89 of 211

Equity / Assets

9.49%

Rank 157 of 211

Non-interest income vs. expense

$1.8M$6.9MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 58% of banks under $1B in assets in TX
Bank 60.38%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.87%1.20%1.65%Beats 46%113 / 211
Return on Equity12.09%7.52%11.67%14.58%Beats 54%97 / 211
Net Interest Margin3.25%3.28%3.82%4.31%Beats 23%163 / 211
Efficiency Ratio60.38%53.01%64.18%73.65%Beats 58%89 / 211
Asset Quality
Nonperforming Loans / Loans0.74%0.01%0.30%1.10%Beats 33%140 / 208
Net Charge-Offs / Loans0.04%0.00%0.01%0.06%Beats 31%146 / 208
Capital
Tier 1 Capital Ratio10.47%11.72%14.45%19.57%Beats 12%186 / 211
Total Risk-Based Capital Ratio10.47%11.94%14.78%20.30%Beats 11%188 / 211
Equity / Assets9.49%9.41%11.06%12.94%Beats 26%157 / 211
Liquidity & Funding
Loans / Deposits40.60%45.39%66.56%82.03%19th pctl169 / 208
Loans / Assets36.46%39.13%56.90%70.46%21st pctl166 / 211
Brokered Deposits / Depositsn/aNot reported for this institution