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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

3.85%Q2 ’244.10%Q2 ’254.35%Q2 ’26+26%+15%

Non-interest income vs. expense

2.17%Q2 ’242.33%Q2 ’252.31%Q2 ’26-26%+43%

Executive Summary

  • Earnings: ROA of 1.22%, down 6 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.74% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.22%-6 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+44 bps YoY

Efficiency Ratio (quarter, annualized)

59.07%+100 bps YoY

Tier 1 Leverage Ratio

10.47%-15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.40%0.88%1.10%1.22%-6 bps
Return on Equity14.01%14.69%9.21%11.38%12.73%-128 bps
Net Interest Margin2.90%3.04%3.10%3.11%3.35%+44 bps
Efficiency Ratio58.07%56.20%67.11%61.75%59.07%+100 bps
Non-Interest Burden1.22%1.22%1.93%1.69%1.75%+52 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 / Loans0.20%0.04%-0.01%0.14%-0.02%-22 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