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Central National Bank

Waco, TX · Cert 22396 · Centrabanc Corp.

National charter · OCC · 5 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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

90

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

Central National Bank

Waco, TX · Cert 22396 · Centrabanc Corp.

National charter · OCC · 5 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.3BDeposits
$133.7MEquity
Loan mix
87%RE $1.0B12%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.1B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.58%Q2 ’245.74%Q2 ’255.73%Q2 ’26+11%+2%

Non-interest income vs. expense

1.78%Q2 ’241.78%Q2 ’251.81%Q2 ’26+0%+1%

Market Position · Waco, TX · 2026 SOD (annual) · 8.3% share · #4 of 28 inst. · $0.7B of $8.9B

8.9% McLennan
6.3% Bell
0.5% Travis

Executive Summary

  • Earnings: ROA of 1.58%, unchanged from a year ago; NIM at 3.80%.
  • Asset quality: problem loans at 0.11% of loans (+8 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.94%, down 30 bps from a year ago.
  • Funding: loans stand at 92.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%0 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+6 bps YoY

Efficiency Ratio (YTD, annualized)

45.35%-7 bps YoY

Tier 1 Leverage Ratio

9.94%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.61%1.65%1.57%1.58%0 bps
Return on Equity17.44%17.76%18.34%17.76%17.74%+30 bps
Net Interest Margin3.74%3.68%3.64%3.77%3.80%+6 bps
Efficiency Ratio45.42%44.99%44.32%45.90%45.35%-7 bps
Non-Interest Burden1.60%1.56%1.51%1.63%1.61%+2 bps
Growth
Asset Growth (YoY)7.61%5.73%16.20%13.43%14.56%+695 bps
Loan Growth (YoY)9.68%12.31%10.91%11.57%10.32%+64 bps
Deposit Growth (YoY)8.43%5.33%16.51%13.71%15.15%+672 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.00%0.07%0.11%+8 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.05%0.03%+3 bps
Allowance / Loans1.20%1.20%1.20%1.20%1.20%0 bps
Allowance Coverage of NPLs45.1x229.7x254.8x16.7x10.9x-34.2x
Capital
Tier 1 Leverage Ratio10.24%10.06%9.92%9.76%9.94%-30 bps
Total Risk-Based Capital13.95%13.92%13.77%13.56%13.80%-16 bps
Equity / Assets9.34%9.06%8.61%9.07%9.07%-27 bps
Liquidity & Funding
Loans / Deposits96.10%91.63%85.27%90.53%92.07%-403 bps
Liquid Assets / Assets4.27%9.03%15.09%10.19%7.22%+294 bps
CRE / Total Capitaln/a367%383%385%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

Central National Bank

Waco, TX · Cert 22396 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Centrabanc Corp.

National charter · OCC · 5 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.3BDeposits
$133.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
  • Widest gap: equity / assets trails 76% of banks $1B-$10B in assets operating in a single state (rank 195 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.58%

Rank 60 of 258

Net Interest Margin

3.80%

Rank 77 of 258

Efficiency Ratio

45.35%

Rank 27 of 257

Equity / Assets

9.07%

Rank 195 of 258

Non-interest income vs. expense

$2.9M$26.3MINCOMEEXPENSE
Unfavorable gap of $23.4M · efficiency ratio beats 90% of banks $1B-$10B in assets operating in a single state
Bank 45.35%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.93%1.23%1.54%Beats 77%60 / 258
Return on Equity17.44%9.26%11.84%14.74%Beats 90%27 / 258
Net Interest Margin3.80%3.16%3.49%3.88%Beats 70%77 / 258
Efficiency Ratio45.35%51.71%60.30%69.65%Beats 90%27 / 257
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.46%0.90%Beats 85%39 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 54%120 / 258
Capital
Tier 1 Capital Ratio12.55%11.41%12.98%15.12%Beats 41%151 / 258
Total Risk-Based Capital Ratio13.80%12.10%13.91%16.08%Beats 49%132 / 258
Equity / Assets9.07%9.09%10.24%11.72%Beats 24%195 / 258
Liquidity & Funding
Loans / Deposits92.07%73.24%86.34%95.95%67th pctl86 / 258
Loans / Assets82.05%63.01%72.27%78.40%87th pctl33 / 258
Brokered Deposits / Depositsn/aNot reported for this institution