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Community National Bank

Hondo, TX · Cert 23431

FDIC · 4 branches

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Hondo, TX · Cert 23431

FDIC · 4 branches

Q4 2021

$290.9MAssets
$139.8MLoans
$260.2MDeposits
$27.7MEquity
Loan mix
83%RE $97.0M13%C&I $15.1M4%Consumer $4.2MQ4 2020Q4 2021
Deposit mix
58%Interest-bearing $151.9M42%Noninterest $108.3MQ4 2020Q4 2021

NIM

4.09%Q4 ’193.74%Q4 ’202.40%Q4 ’21-1%-34%

Non-interest income vs. expense

3.23%Q4 ’192.61%Q4 ’201.83%Q4 ’21-10%-43%

Market Position · San Antonio-New Braunfels, TX · 2021 SOD (annual) · 0.1% share · #24 of 61 inst. · $0.2B of $169.6B

22.1% Medina
3.7% Atascosa

Executive Summary

  • Earnings: ROA of 1.15%, down 22 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 1.52% of loans (+40 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.81%, down 68 bps from a year ago.
  • Funding: loans stand at 53.71% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

1.15%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-120 bps YoY

Efficiency Ratio (YTD, annualized)

59.16%-640 bps YoY

Tier 1 Leverage Ratio

9.81%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets1.37%1.46%0.62%0.81%1.15%-22 bps
Return on Equity12.06%13.03%5.73%7.73%11.24%-82 bps
Net Interest Margin3.58%3.88%1.66%2.02%2.38%-120 bps
Efficiency Ratio65.55%65.94%68.91%67.86%59.16%-640 bps
Non-Interest Burden1.97%2.22%1.01%1.21%1.13%-85 bps
Growth
Asset Growth (YoY)16.23%17.01%8.13%9.36%16.04%-20 bps
Loan Growth (YoY)16.29%8.49%-4.97%-3.21%-5.80%-2,209 bps
Deposit Growth (YoY)18.09%18.02%15.08%16.59%18.53%+44 bps
Asset Quality
Nonperforming Loans / Loans1.12%2.66%2.42%2.32%1.52%+40 bps
Net Charge-Offs / Loans0.03%0.01%0.00%-0.01%0.01%-2 bps
Allowance / Loans1.42%1.45%0.00%0.01%0.29%-114 bps
Allowance Coverage of NPLs1.3x0.5x0.0x0.0x0.2x-1.1x
Capital
Tier 1 Leverage Ratio10.49%10.82%9.98%9.81%9.81%-68 bps
Total Risk-Based Capital17.53%18.05%16.19%15.80%17.05%-48 bps
Equity / Assets11.26%11.23%9.86%9.57%9.54%-172 bps
Liquidity & Funding
Loans / Deposits67.58%64.81%60.63%58.62%53.71%-1,387 bps
Liquid Assets / Assets4.18%5.78%3.71%5.12%6.37%+219 bps
CRE / Total Capitaln/an/an/an/an/an/an/a