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City National Bank of Colorado City, The

Colorado City, TX · Cert 3144 · City National Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$452.4MAssets
$295.8MLoans
$396.0MDeposits
$55.4MEquity
Loan mix
84%RE $245.1M13%C&I $39.0M3%Consumer $9.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $346.6M12%Noninterest $49.4MQ2 2025Q2 2026

NIM

6.66%Q2 ’246.60%Q2 ’256.05%Q2 ’26+9%+7%

Non-interest income vs. expense

2.55%Q2 ’242.54%Q2 ’252.47%Q2 ’26-2%-5%

Market Position · San Angelo, TX · 2026 SOD (annual) · 2.6% share · #9 of 15 inst. · $0.1B of $3.4B

71.4% Mitchell
2.8% Tom Green
1.3% Taylor
42.9% Knox

Executive Summary

  • Earnings: ROA of 1.30%, up 22 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.26% of loans (+6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.97%, up 25 bps from a year ago.
  • Funding: loans stand at 74.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.30%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+26 bps YoY

Efficiency Ratio (quarter, annualized)

54.71%-821 bps YoY

Tier 1 Leverage Ratio

10.97%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.14%1.37%1.19%1.30%+22 bps
Return on Equity10.10%1.13%10.91%9.69%10.61%+51 bps
Net Interest Margin3.65%3.04%3.84%3.99%3.91%+26 bps
Efficiency Ratio62.92%61.42%58.81%61.66%54.71%-821 bps
Non-Interest Burden2.15%1.72%2.02%2.38%2.06%-10 bps
Growth
Asset Growth (YoY)4.67%50.06%50.60%48.57%54.86%+5,019 bps
Loan Growth (YoY)12.19%42.39%44.31%42.83%40.73%+2,854 bps
Deposit Growth (YoY)10.06%60.94%60.78%58.89%58.80%+4,874 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.31%0.29%0.28%0.26%+6 bps
Net Charge-Offs / Loans0.03%0.30%0.00%0.01%0.00%-4 bps
Allowance / Loans1.57%1.53%1.51%1.55%1.60%+3 bps
Allowance Coverage of NPLs7.8x4.9x5.2x5.5x6.2x-1.6x
Capital
Tier 1 Leverage Ratio10.72%11.10%11.26%10.73%10.97%+25 bps
Total Risk-Based Capital10.72%11.10%11.26%10.73%10.97%+25 bps
Equity / Assets10.96%12.65%12.43%12.22%12.25%+128 bps
Liquidity & Funding
Loans / Deposits84.27%75.40%76.38%76.23%74.68%-959 bps
Liquid Assets / Assets25.37%17.19%19.47%19.16%21.21%-416 bps
CRE / Total Capitaln/a195.17%181.86%192.44%n/an/a