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Comanche National Bank, The

Comanche, TX · Cert 3145

FDIC · 8 branches

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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

Comanche National Bank, The

Comanche, TX · Cert 3145

FDIC · 8 branches

Q3 2018

$338.7MAssets
$119.8MLoans
$297.4MDeposits
$39.2MEquity
Loan mix
84%RE $91.9M8%C&I $8.8M7%Consumer $8.2MQ3 2017Q3 2018
Deposit mix
79%Interest-bearing $235.1M21%Noninterest $62.3MQ3 2017Q3 2018

NIM

3.50%Q3 ’163.56%Q3 ’173.70%Q3 ’18+1%+1%

Non-interest income vs. expense

2.51%Q3 ’162.42%Q3 ’172.35%Q3 ’18-7%-2%

Market Position · Dallas-Fort Worth-Arlington, TX · 2018 SOD (annual) · 0.0% share · #140 of 163 inst. · $0.0B of $274.5B

57.7% Comanche
15.9% Palo Pinto
1.4% Parker
5.2% Jack

Executive Summary

  • Earnings: ROA of 1.08%, up 9 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.03% of loans (-19 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.01%, up 36 bps from a year ago.
  • Funding: loans stand at 40.27% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.08%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+3 bps YoY

Efficiency Ratio (YTD, annualized)

64.65%-174 bps YoY

Tier 1 Leverage Ratio

12.01%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.99%0.89%1.13%1.12%1.08%+9 bps
Return on Equity8.18%7.49%10.20%9.98%9.54%+136 bps
Net Interest Margin3.19%3.13%3.08%3.17%3.21%+3 bps
Efficiency Ratio66.39%65.98%62.74%63.72%64.65%-174 bps
Non-Interest Burden1.92%1.88%1.75%1.84%1.89%-3 bps
Growth
Asset Growth (YoY)4.19%7.83%5.15%1.24%1.58%-261 bps
Loan Growth (YoY)4.71%-0.16%0.11%-1.48%-5.98%-1,069 bps
Deposit Growth (YoY)5.04%8.14%6.10%2.16%2.89%-215 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.39%0.47%0.96%0.03%-19 bps
Net Charge-Offs / Loans-0.01%-0.09%0.02%0.00%0.03%+4 bps
Allowance / Loans2.36%2.48%2.50%2.50%2.58%+22 bps
Allowance Coverage of NPLs10.5x6.3x5.4x2.6x79.3x+68.8x
Capital
Tier 1 Leverage Ratio11.65%11.15%10.75%11.44%12.01%+36 bps
Total Risk-Based Capital24.95%23.79%24.22%24.88%27.42%+247 bps
Equity / Assets12.77%11.36%10.86%11.33%11.56%-121 bps
Liquidity & Funding
Loans / Deposits44.07%39.75%39.21%40.63%40.27%-380 bps
Liquid Assets / Assets2.55%3.37%2.43%2.08%13.80%+1,125 bps
CRE / Total Capitaln/an/an/an/an/an/an/a