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Citizens National Bank

Cameron, TX · Cert 3127 · Central Texas Financial Corp.

National charter · OCC · 13 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 TX3

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 TX (n=208 to 211). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

85

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

Citizens National Bank

Cameron, TX · Cert 3127 · Central Texas Financial Corp.

National charter · OCC · 13 branches

Q2 2026

$691.8MAssets
$422.4MLoans
$604.0MDeposits
$85.3MEquity
Loan mix
96%RE $393.8M4%C&I $14.6M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $473.1M22%Noninterest $130.8MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.97%Q2 ’255.14%Q2 ’26+22%+12%

Non-interest income vs. expense

1.72%Q2 ’241.78%Q2 ’251.85%Q2 ’26-1%+21%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #32 of 73 inst. · $0.3B of $70.4B

42.7% Milam
1.3% Williamson
0.2% Travis
4.4% Lee

Executive Summary

  • Earnings: ROA of 1.61%, up 10 bps year over year; NIM at 3.62%.
  • 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 12.73%, up 42 bps from a year ago.
  • Funding: loans stand at 69.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+39 bps YoY

Efficiency Ratio (YTD, annualized)

48.01%-48 bps YoY

Tier 1 Leverage Ratio

12.73%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.50%1.51%1.59%1.61%+10 bps
Return on Equity12.91%12.70%12.72%12.80%12.99%+8 bps
Net Interest Margin3.23%3.30%3.31%3.66%3.62%+39 bps
Efficiency Ratio48.49%48.70%49.09%48.18%48.01%-48 bps
Non-Interest Burden1.34%1.41%1.45%1.64%1.62%+29 bps
Growth
Asset Growth (YoY)3.78%4.29%6.56%7.08%10.14%+636 bps
Loan Growth (YoY)-2.20%0.37%-0.86%0.21%-1.33%+87 bps
Deposit Growth (YoY)2.36%3.08%5.38%6.10%9.82%+746 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.55%1.52%1.57%1.55%1.54%-1 bps
Allowance Coverage of NPLsn/an/a554.3xn/an/an/a
Capital
Tier 1 Leverage Ratio12.32%12.52%12.54%12.67%12.73%+42 bps
Total Risk-Based Capital18.16%17.46%18.32%17.76%18.43%+27 bps
Equity / Assets12.04%12.16%12.33%12.45%12.33%+29 bps
Liquidity & Funding
Loans / Deposits77.83%77.31%73.71%73.71%69.93%-790 bps
Liquid Assets / Assets13.40%10.63%9.18%2.74%6.71%-669 bps
CRE / Total Capitaln/a372%356%344%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

Citizens National Bank

Cameron, TX · Cert 3127 · Peer group: banks under $1B in assets in TX (n=208-211) · Central Texas Financial Corp.

National charter · OCC · 13 branches

Q2 2026

$691.8MAssets
$422.4MLoans
$604.0MDeposits
$85.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: net interest margin trails 59% of banks under $1B in assets in TX (rank 124 of 211).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.56%

Rank 59 of 211

Net Interest Margin

3.62%

Rank 124 of 211

Efficiency Ratio

48.01%

Rank 33 of 211

Equity / Assets

12.33%

Rank 69 of 211

Non-interest income vs. expense

$1.6M$12.7MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 85% of banks under $1B in assets in TX
Bank 48.01%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.87%1.20%1.65%Beats 72%59 / 211
Return on Equity12.69%7.52%11.67%14.58%Beats 58%89 / 211
Net Interest Margin3.62%3.28%3.82%4.31%Beats 41%124 / 211
Efficiency Ratio48.01%53.01%64.18%73.65%Beats 85%33 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 79%45 / 208
Capital
Tier 1 Capital Ratio17.18%11.72%14.45%19.57%Beats 67%69 / 211
Total Risk-Based Capital Ratio18.43%11.94%14.78%20.30%Beats 69%65 / 211
Equity / Assets12.33%9.41%11.06%12.94%Beats 67%69 / 211
Liquidity & Funding
Loans / Deposits69.93%45.39%66.56%82.03%56th pctl91 / 208
Loans / Assets61.05%39.13%56.90%70.46%58th pctl89 / 211
Brokered Deposits / Depositsn/aNot reported for this institution