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Community National Bank & Trust of Texas

Corsicana, TX · Cert 18185 · Community Bk Holdings TX Inc.

National charter · OCC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

60

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

Community National Bank & Trust of Texas

Corsicana, TX · Cert 18185 · Community Bk Holdings TX Inc.

National charter · OCC · 18 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$196.1MEquity
Loan mix
86%RE $1.0B13%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $972.5M32%Noninterest $447.3MQ2 2025Q2 2026

NIM

5.26%Q2 ’245.71%Q2 ’255.51%Q2 ’26+13%+3%

Non-interest income vs. expense

2.54%Q2 ’243.37%Q2 ’252.75%Q2 ’26+38%-25%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #82 of 166 inst. · $0.4B of $732.8B

38.1% Navarro
51.6% Freestone
0.3% Tarrant
20.3% Fannin

Executive Summary

  • Earnings: ROA of 1.66%, up 52 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.09% of loans (+5 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.62%, up 47 bps from a year ago.
  • Funding: loans stand at 84.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.66%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+13 bps YoY

Efficiency Ratio (YTD, annualized)

56.20%-1,527 bps YoY

Tier 1 Leverage Ratio

10.62%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.18%1.25%1.61%1.66%+52 bps
Return on Equity9.93%10.35%10.89%14.00%14.42%+450 bps
Net Interest Margin4.04%4.03%3.68%4.16%4.17%+13 bps
Efficiency Ratio71.47%69.23%63.75%56.90%56.20%-1,527 bps
Non-Interest Burden2.66%2.55%2.08%2.01%2.00%-66 bps
Growth
Asset Growth (YoY)23.02%24.76%25.61%30.67%6.69%-1,633 bps
Loan Growth (YoY)33.94%29.16%34.61%32.63%2.37%-3,157 bps
Deposit Growth (YoY)24.11%26.69%26.92%32.64%6.16%-1,795 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.03%0.17%0.09%+5 bps
Net Charge-Offs / Loans0.18%0.12%0.09%0.16%0.08%-10 bps
Allowance / Loans0.95%0.99%1.34%1.33%1.31%+36 bps
Allowance Coverage of NPLs24.5x26.0x42.1x7.7x14.2x-10.3x
Capital
Tier 1 Leverage Ratio10.16%10.36%10.25%10.44%10.62%+47 bps
Total Risk-Based Capital13.34%13.81%14.08%14.13%10.62%-272 bps
Equity / Assets11.04%11.02%11.68%11.26%11.66%+61 bps
Liquidity & Funding
Loans / Deposits87.33%83.47%86.75%82.65%84.21%-312 bps
Liquid Assets / Assets5.47%9.14%7.35%11.98%10.62%+515 bps
CRE / Total Capitaln/a494%507%498%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

Community National Bank & Trust of Texas

Corsicana, TX · Cert 18185 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Community Bk Holdings TX Inc.

National charter · OCC · 18 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$196.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 31 of 258).
  • Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.64%

Rank 43 of 258

Net Interest Margin

4.17%

Rank 35 of 258

Efficiency Ratio

56.78%

Rank 103 of 257

Equity / Assets

11.66%

Rank 70 of 258

Non-interest income vs. expense

$12.6M$46.2MINCOMEEXPENSE
Unfavorable gap of $33.5M · efficiency ratio beats 60% of banks $1B-$10B in assets operating in a single state
Bank 56.78%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.93%1.23%1.54%Beats 83%43 / 258
Return on Equity14.09%9.26%11.84%14.74%Beats 68%82 / 258
Net Interest Margin4.17%3.16%3.49%3.88%Beats 86%35 / 258
Efficiency Ratio56.78%51.71%60.30%69.65%Beats 60%103 / 257
Asset Quality
Nonperforming Loans / Loans0.09%0.19%0.46%0.90%Beats 88%31 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 36%165 / 258
Capital
Tier 1 Capital Ratio10.62%11.41%12.98%15.12%Beats 14%221 / 258
Total Risk-Based Capital Ratio10.62%12.10%13.91%16.08%Beats 12%226 / 258
Equity / Assets11.66%9.09%10.24%11.72%Beats 73%70 / 258
Liquidity & Funding
Loans / Deposits84.21%73.24%86.34%95.95%45th pctl143 / 258
Loans / Assets71.09%63.01%72.27%78.40%47th pctl138 / 258
Brokered Deposits / Depositsn/aNot reported for this institution