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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

$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

5.38%Q2 ’247.05%Q2 ’255.65%Q2 ’26+36%-14%

Non-interest income vs. expense

2.56%Q2 ’244.35%Q2 ’252.78%Q2 ’26+79%-42%

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 1.71%, up 54 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.09% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.71%+54 bps YoY

Net Interest Margin (quarter, annualized)

4.29%-69 bps YoY

Efficiency Ratio (quarter, annualized)

55.54%-1,938 bps YoY

Tier 1 Leverage Ratio

10.62%+47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.21%1.40%1.61%1.71%+54 bps
Return on Equity10.25%10.99%12.36%14.00%14.94%+469 bps
Net Interest Margin4.98%4.05%3.01%4.16%4.29%-69 bps
Efficiency Ratio74.92%64.69%43.84%56.90%55.54%-1,938 bps
Non-Interest Burden3.48%2.38%0.91%2.01%2.03%-145 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 / Loans0.35%0.01%-0.01%0.16%0.00%-35 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