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Letter portraitLegal landscapeQuarterYTD

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 $2.2MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $473.1M22%Noninterest $130.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.10%1.18%1.51%1.50%1.51%1.59%1.61%+10 bps
Return on Equity9.67%10.28%10.32%12.91%12.70%12.72%12.80%12.99%+8 bps
Net Interest Margin2.69%2.74%3.03%3.23%3.30%3.31%3.66%3.62%+39 bps
Efficiency Ratio56.96%56.96%53.53%48.49%48.70%49.09%48.18%48.01%-48 bps
Non-Interest Burden1.39%1.42%1.50%1.34%1.41%1.45%1.64%1.62%+29 bps
Growth
Asset Growth (YoY)1.68%1.11%2.05%3.78%4.29%6.56%7.08%10.14%+636 bps
Loan Growth (YoY)1.04%-1.31%-1.94%-2.20%0.37%-0.86%0.21%-1.33%+87 bps
Deposit Growth (YoY)-0.07%-0.50%0.58%2.36%3.08%5.38%6.10%9.82%+746 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.06%0.06%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.52%1.54%1.55%1.52%1.57%1.55%1.54%-1 bps
Allowance Coverage of NPLs6.7x24.7x27.7xn/an/a554.3xn/an/an/a
Capital
Tier 1 Leverage Ratio11.43%11.55%11.85%12.32%12.52%12.54%12.67%12.73%+42 bps
Total Risk-Based Capital17.04%17.61%17.72%18.16%17.46%18.32%17.76%18.43%+27 bps
Equity / Assets11.05%11.32%11.61%12.04%12.16%12.33%12.45%12.33%+29 bps
Liquidity & Funding
Loans / Deposits79.40%78.35%78.05%77.83%77.31%73.71%73.71%69.93%-790 bps
Liquid Assets / Assets12.75%14.12%13.40%13.40%10.63%9.18%2.74%6.71%-669 bps
CRE / Total Capitaln/an/an/an/a372%356%344%n/an/a