Colorado City, TX · Cert 3144 · City National Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 2.6% share · #9 of 15 inst. · $0.1B of $3.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.96% | 0.77% | 0.93% | 0.61% | 0.85% | 1.19% | 1.24% | +31 bps | |
| Return on Equity | 9.33% | 9.34% | 7.41% | 8.76% | 5.39% | 7.34% | 9.69% | 10.12% | +136 bps | |
| Net Interest Margin | 3.42% | 3.33% | 3.45% | 3.53% | 2.68% | 2.95% | 3.99% | 3.93% | +40 bps | |
| Efficiency Ratio | 65.00% | 64.88% | 70.64% | 66.61% | 64.64% | 62.70% | 61.66% | 58.23% | -838 bps | |
| Non-Interest Burden | 2.08% | 2.02% | 2.35% | 2.24% | 1.61% | 1.70% | 2.38% | 2.21% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 5.69% | 4.80% | 4.67% | 50.06% | 50.60% | 48.57% | 54.86% | +5,019 bps | |
| Loan Growth (YoY) | 5.93% | 7.65% | 8.97% | 12.19% | 42.39% | 44.31% | 42.83% | 40.73% | +2,854 bps | |
| Deposit Growth (YoY) | 8.71% | 9.86% | 8.73% | 10.06% | 60.94% | 60.78% | 58.89% | 58.80% | +4,874 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.30% | 0.47% | 0.20% | 0.31% | 0.29% | 0.28% | 0.26% | +6 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.02% | 0.11% | 0.08% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.56% | 1.52% | 1.55% | 1.57% | 1.53% | 1.51% | 1.55% | 1.60% | +3 bps | |
| Allowance Coverage of NPLs | 4.6x | 5.1x | 3.3x | 7.8x | 4.9x | 5.2x | 5.5x | 6.2x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 10.66% | 10.56% | 10.72% | 11.10% | 11.26% | 10.73% | 10.97% | +25 bps | |
| Total Risk-Based Capital | 19.17% | 18.77% | 18.64% | 10.72% | 11.10% | 11.26% | 10.73% | 10.97% | +25 bps | |
| Equity / Assets | 10.58% | 10.44% | 10.44% | 10.96% | 12.65% | 12.43% | 12.22% | 12.25% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.22% | 85.09% | 84.80% | 84.27% | 75.40% | 76.38% | 76.23% | 74.68% | -959 bps | |
| Liquid Assets / Assets | 22.16% | 22.77% | 24.45% | 25.37% | 17.19% | 19.47% | 19.16% | 21.21% | -416 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.17% | 181.86% | 192.44% | n/a | n/a | |