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Citizens National Bank of Crosbyton

Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.

National charter · OCC · 1 branch

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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

94

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 of Crosbyton

Crosbyton, TX · Cert 3158 · Citizens Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$77.6MAssets
$28.2MLoans
$64.0MDeposits
$13.1MEquity
Loan mix
60%RE $10.1M24%C&I $4.0M17%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $48.0M25%Noninterest $16.1MQ2 2025Q2 2026

NIM

6.05%Q2 ’245.08%Q2 ’255.04%Q2 ’26-23%+6%

Non-interest income vs. expense

1.50%Q2 ’241.47%Q2 ’251.40%Q2 ’26-8%+5%

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.4% share · #24 of 31 inst. · $0.1B of $14.3B

Executive Summary

  • Earnings: ROA of 1.70%, unchanged from a year ago; NIM at 3.45%.
  • 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 16.81%, up 3 bps from a year ago.
  • Funding: loans stand at 44.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%0 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+20 bps YoY

Efficiency Ratio (YTD, annualized)

38.08%-272 bps YoY

Tier 1 Leverage Ratio

16.81%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.82%1.69%1.80%1.70%0 bps
Return on Equity9.83%10.57%9.86%10.73%10.10%+26 bps
Net Interest Margin3.24%3.33%3.27%3.33%3.45%+20 bps
Efficiency Ratio40.80%37.82%41.18%36.93%38.08%-272 bps
Non-Interest Burden1.11%1.06%1.17%1.06%1.17%+6 bps
Growth
Asset Growth (YoY)12.99%12.21%11.55%11.74%5.88%-711 bps
Loan Growth (YoY)14.54%25.84%53.98%22.76%37.95%+2,340 bps
Deposit Growth (YoY)13.91%13.25%12.63%12.93%5.94%-798 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.03%0.02%0.00%0.00%-6 bps
Allowance / Loans1.00%0.85%0.95%1.06%1.06%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.79%17.06%16.75%16.73%16.81%+3 bps
Total Risk-Based Capital16.79%17.06%16.75%16.73%16.81%+3 bps
Equity / Assets16.82%17.09%16.80%16.75%16.86%+4 bps
Liquidity & Funding
Loans / Deposits33.83%39.68%41.29%36.59%44.05%+1,022 bps
Liquid Assets / Assets63.28%57.20%56.64%60.13%53.87%-942 bps
CRE / Total Capitaln/a19.96%19.16%33.33%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 of Crosbyton

Crosbyton, TX · Cert 3158 · Peer group: banks under $1B in assets in TX (n=208-211) · Citizens Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$77.6MAssets
$28.2MLoans
$64.0MDeposits
$13.1MEquity

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 69% of banks under $1B in assets in TX (rank 145 of 211).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.70%

Rank 50 of 211

Net Interest Margin

3.45%

Rank 145 of 211

Efficiency Ratio

38.08%

Rank 13 of 211

Equity / Assets

16.86%

Rank 20 of 211

Non-interest income vs. expense

$0.2M$1.1MINCOMEEXPENSE
Unfavorable gap of $0.9M · efficiency ratio beats 94% of banks under $1B in assets in TX
Bank 38.08%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.87%1.20%1.65%Beats 76%50 / 211
Return on Equity10.06%7.52%11.67%14.58%Beats 41%125 / 211
Net Interest Margin3.45%3.28%3.82%4.31%Beats 31%145 / 211
Efficiency Ratio38.08%53.01%64.18%73.65%Beats 94%13 / 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 100%43 / 208
Capital
Tier 1 Capital Ratio16.81%11.72%14.45%19.57%Beats 65%74 / 211
Total Risk-Based Capital Ratio16.81%11.94%14.78%20.30%Beats 62%80 / 211
Equity / Assets16.86%9.41%11.06%12.94%Beats 91%20 / 211
Liquidity & Funding
Loans / Deposits44.05%45.39%66.56%82.03%23rd pctl160 / 208
Loans / Assets36.35%39.13%56.90%70.46%21st pctl167 / 211
Brokered Deposits / Depositsn/aNot reported for this institution