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Citizens State Bank of Ganado, The

Ganado, TX · Cert 16934

FDIC · 2 branches

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=225 to 228). 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

63

Q2 2024Q1 2025peer median (50)

Asset Quality

100

Q2 2024Q1 2025peer median (50)

Profitability

9

Q2 2024Q1 2025peer median (50)

Liquidity

0

Q2 2024Q1 2025peer median

Efficiency

4

Q2 2024Q1 2025peer 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 State Bank of Ganado, The

Ganado, TX · Cert 16934

FDIC · 2 branches

Q1 2025

$57.8MAssets
$10.3MLoans
$54.0MDeposits
$3.5MEquity
Loan mix
91%RE $8.9M3%C&I $0.3M6%Consumer $0.5MQ2 2023Q1 2025
Deposit mix
58%Interest-bearing $31.4M42%Noninterest $22.6MQ2 2023Q1 2025

Executive Summary

  • Earnings: ROA of -0.28%, up 9 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (-159 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.31%, down 46 bps from a year ago.
  • Funding: loans stand at 19.09% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

-0.28%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+8 bps YoY

Efficiency Ratio (YTD, annualized)

111.23%-321 bps YoY

Tier 1 Leverage Ratio

9.31%-46 bps YoY

NIM

3.28%Q1 ’233.46%Q1 ’243.64%Q1 ’25-8%+3%

Non-interest income vs. expense

3.09%Q1 ’233.55%Q1 ’243.46%Q1 ’25+15%-1%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.10%0.08%0.05%-0.36%-0.38%-0.32%-0.21%-0.28%+9 bps
Return on Equity2.22%1.73%1.12%-7.20%-7.34%-5.72%-3.68%-4.67%+253 bps
Net Interest Margin3.12%3.15%3.11%2.78%2.83%2.82%2.78%2.86%+8 bps
Efficiency Ratio96.80%97.92%98.71%114.45%115.16%112.88%108.50%111.23%-321 bps
Non-Interest Burden3.00%3.07%3.05%3.21%3.29%3.21%3.03%3.19%-2 bps
Growth
Asset Growth (YoY)-10.19%-9.42%-9.85%-9.82%-5.93%-1.62%1.25%7.30%+1,712 bps
Loan Growth (YoY)23.28%4.86%7.18%-0.02%9.04%10.61%13.53%14.74%+1,476 bps
Deposit Growth (YoY)-9.79%-8.68%-10.50%-10.16%-7.10%-4.97%0.62%6.24%+1,639 bps
Asset Quality
Nonperforming Loans / Loans1.52%1.58%1.58%1.59%1.36%1.35%0.00%0.00%-159 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.20%2.23%2.07%2.15%1.87%1.90%1.84%1.90%-25 bps
Allowance Coverage of NPLs1.4x1.4x1.3x1.3x1.4x1.4xn/an/an/a
Capital
Tier 1 Leverage Ratio9.36%9.57%9.58%9.77%9.80%9.67%9.42%9.31%-46 bps
Total Risk-Based Capital30.97%31.66%31.64%31.94%30.17%30.27%31.38%31.77%-17 bps
Equity / Assets4.45%3.61%5.10%4.92%5.45%6.77%5.80%6.00%+108 bps
Liquidity & Funding
Loans / Deposits17.68%17.15%18.00%17.68%20.75%19.97%20.31%19.09%+141 bps
Liquid Assets / Assets4.65%9.33%6.58%7.66%5.52%11.28%13.61%17.40%+975 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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 State Bank of Ganado, The

Ganado, TX · Cert 16934 · Peer group: banks under $1B in assets in TX (n=225-228)

FDIC · 2 branches

Q1 2025

$57.8MAssets
$10.3MLoans
$54.0MDeposits
$3.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 51 of 225).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in TX (rank 219 of 225).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.27%

Rank 217 of 228

Net Interest Margin

2.86%

Rank 188 of 228

Efficiency Ratio

111.23%

Rank 219 of 228

Equity / Assets

6.00%

Rank 213 of 228

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 4% of banks under $1B in assets in TX
Bank 111.23%Peer median 65.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.27%0.76%1.09%1.48%Beats 5%217 / 228
Return on Equity-4.50%6.96%10.63%14.91%Beats 3%219 / 225
Net Interest Margin2.86%3.07%3.63%4.25%Beats 18%188 / 228
Efficiency Ratio111.23%55.39%65.15%74.18%Beats 4%219 / 228
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.22%0.67%Beats 100%51 / 225
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%63 / 225
Capital
Tier 1 Capital Ratio30.66%11.65%14.55%19.25%Beats 91%21 / 228
Total Risk-Based Capital Ratio31.77%11.69%14.89%20.30%Beats 91%21 / 228
Equity / Assets6.00%8.58%10.37%12.02%Beats 7%213 / 228
Liquidity & Funding
Loans / Deposits19.09%47.92%67.81%82.04%4th pctl217 / 225
Loans / Assets17.86%42.11%58.88%69.86%4th pctl217 / 225
Brokered Deposits / Depositsn/aNot reported for this institution