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First National Bank of Burleson

Burleson, TX · Cert 23430 · Citadel Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

93

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

First National Bank of Burleson

Burleson, TX · Cert 23430 · Citadel Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$250.8MAssets
$104.0MLoans
$218.6MDeposits
$31.5MEquity
Loan mix
91%RE $94.5M6%C&I $6.2M3%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $149.3M32%Noninterest $69.3MQ2 2025Q2 2026

NIM

5.90%Q2 ’245.53%Q2 ’255.14%Q2 ’26-10%-10%

Non-interest income vs. expense

1.64%Q2 ’241.78%Q2 ’251.81%Q2 ’26+11%+2%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #102 of 166 inst. · $0.2B of $732.8B

0.3% Tarrant
0.7% Johnson

Executive Summary

  • Earnings: ROA of 1.92%, down 43 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.59%, up 50 bps from a year ago.
  • Funding: loans stand at 47.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.92%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-43 bps YoY

Efficiency Ratio (YTD, annualized)

42.31%+450 bps YoY

Tier 1 Leverage Ratio

12.59%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.35%2.28%2.25%1.91%1.92%-43 bps
Return on Equity19.98%19.30%19.26%16.10%15.86%-412 bps
Net Interest Margin4.49%4.36%4.33%3.94%4.06%-43 bps
Efficiency Ratio37.81%38.24%38.01%42.76%42.31%+450 bps
Non-Interest Burden1.56%1.53%1.51%1.56%1.59%+3 bps
Growth
Asset Growth (YoY)2.04%3.26%2.83%-7.01%-5.95%-799 bps
Loan Growth (YoY)-6.15%-10.74%-5.73%-0.03%4.73%+1,088 bps
Deposit Growth (YoY)0.32%1.66%3.23%-7.77%-6.56%-688 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.01%0.01%0.00%0.00%-4 bps
Allowance / Loans1.33%1.36%1.39%1.34%1.34%+1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.09%11.91%11.19%12.15%12.59%+50 bps
Total Risk-Based Capital12.09%11.91%11.19%12.15%12.59%+50 bps
Equity / Assets11.94%11.91%11.13%12.66%12.57%+63 bps
Liquidity & Funding
Loans / Deposits42.45%41.98%42.96%48.01%47.58%+513 bps
Liquid Assets / Assets59.30%59.70%58.50%54.57%54.87%-444 bps
CRE / Total Capitaln/a229%256%257%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

First National Bank of Burleson

Burleson, TX · Cert 23430 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Citadel Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$250.8MAssets
$104.0MLoans
$218.6MDeposits
$31.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 21 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.96%

Rank 3 of 28

Net Interest Margin

4.06%

Rank 15 of 28

Efficiency Ratio

42.31%

Rank 3 of 28

Equity / Assets

12.57%

Rank 9 of 28

Non-interest income vs. expense

$0.6M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 42.31%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.96%1.12%1.22%1.47%Beats 89%3 / 28
Return on Equity15.59%8.64%12.47%13.41%Beats 86%4 / 28
Net Interest Margin4.06%3.77%4.06%4.51%Beats 46%15 / 28
Efficiency Ratio42.31%57.39%61.94%66.78%Beats 93%3 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 75%8 / 28
Capital
Tier 1 Capital Ratio12.59%12.55%13.77%17.51%Beats 32%19 / 28
Total Risk-Based Capital Ratio12.59%12.59%14.62%18.18%Beats 25%21 / 28
Equity / Assets12.57%9.58%11.17%13.58%Beats 68%9 / 28
Liquidity & Funding
Loans / Deposits47.58%66.90%84.79%89.14%11th pctl25 / 28
Loans / Assets41.46%57.58%73.59%77.32%11th pctl25 / 28
Brokered Deposits / Depositsn/aNot reported for this institution