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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 $5.1MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $175.0M36%Noninterest $97.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.57%1.12%1.20%1.27%1.17%1.10%1.15%-5 bps
Return on Equity6.94%7.29%12.72%13.38%13.83%12.68%11.38%12.04%-134 bps
Net Interest Margin2.29%2.43%2.77%2.84%2.87%2.91%3.11%3.25%+41 bps
Efficiency Ratio75.95%74.91%61.11%59.53%58.35%60.41%61.75%60.38%+85 bps
Non-Interest Burden1.60%1.67%1.33%1.28%1.24%1.40%1.69%1.73%+45 bps
Growth
Asset Growth (YoY)5.64%-1.56%0.19%-0.81%3.24%8.07%2.78%4.33%+514 bps
Loan Growth (YoY)-1.66%-7.77%-1.69%6.80%-0.46%-2.10%3.42%-1.85%-865 bps
Deposit Growth (YoY)-0.11%0.85%5.64%4.27%9.90%7.14%1.91%4.21%-6 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.80%0.78%0.73%0.52%1.14%1.39%0.74%+1 bps
Net Charge-Offs / Loans-0.01%0.01%0.15%0.17%0.13%0.10%0.14%0.06%-11 bps
Allowance / Loans1.74%1.82%1.76%1.65%1.71%1.85%1.70%1.73%+8 bps
Allowance Coverage of NPLs2.6x2.3x2.3x2.3x3.3x1.6x1.2x2.4x+0.1x
Capital
Tier 1 Leverage Ratio10.21%10.62%10.42%10.62%10.54%10.33%10.28%10.47%-15 bps
Total Risk-Based Capital10.21%10.62%10.42%10.62%10.54%10.33%10.28%10.47%-15 bps
Equity / Assets8.54%8.61%9.01%9.39%9.66%9.50%9.75%9.49%+10 bps
Liquidity & Funding
Loans / Deposits45.41%40.92%41.38%43.11%41.13%37.39%41.99%40.60%-251 bps
Liquid Assets / Assets17.29%20.68%23.37%23.83%20.54%20.62%14.99%16.96%-687 bps
CRE / Total Capitaln/an/an/an/a79.91%76.85%89.70%n/an/a