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National Bank

Gatesville, TX · Cert 3214

FDIC · 7 branches

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

National Bank

Gatesville, TX · Cert 3214

FDIC · 7 branches

Q1 2021

$788.6MAssets
$440.6MLoans
$712.9MDeposits
$75.3MEquity
Loan mix
76%RE $273.2M14%C&I $51.6M10%Consumer $36.2MQ1 2020Q1 2021
Deposit mix
76%Interest-bearing $539.5M24%Noninterest $173.3MQ1 2020Q1 2021

NIM

4.38%Q1 ’194.53%Q1 ’203.45%Q1 ’21+4%-22%

Non-interest income vs. expense

3.28%Q1 ’193.19%Q1 ’202.52%Q1 ’21-2%-22%

Market Position · Killeen-Temple, TX · 2020 SOD (annual) · 10.2% share · #4 of 20 inst. · $0.6B of $5.8B

48.9% Coryell
2.3% Bell
1.1% Mclennan
20.5% Lampasas

Executive Summary

  • Earnings: ROA of 0.92%, down 12 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.55% of loans (+99 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.70%, down 128 bps from a year ago.
  • Funding: loans stand at 61.80% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

0.92%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-90 bps YoY

Efficiency Ratio (YTD, annualized)

68.38%+47 bps YoY

Tier 1 Leverage Ratio

9.70%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets1.04%0.79%1.08%0.90%0.92%-12 bps
Return on Equity9.66%7.61%10.45%8.82%9.47%-19 bps
Net Interest Margin4.08%3.59%3.41%3.33%3.18%-90 bps
Efficiency Ratio67.91%68.81%64.78%69.49%68.38%+47 bps
Non-Interest Burden2.57%2.30%1.93%2.10%2.02%-56 bps
Growth
Asset Growth (YoY)5.13%16.55%16.13%16.46%18.23%+1,309 bps
Loan Growth (YoY)10.98%10.74%10.30%5.54%1.63%-936 bps
Deposit Growth (YoY)4.68%17.65%17.01%17.72%19.95%+1,527 bps
Asset Quality
Nonperforming Loans / Loans0.56%1.54%1.49%1.46%1.55%+99 bps
Net Charge-Offs / Loans0.07%0.06%0.04%0.02%-0.01%-8 bps
Allowance / Loans1.46%1.57%1.59%1.65%1.67%+21 bps
Allowance Coverage of NPLs2.6x1.0x1.1x1.1x1.1x-1.5x
Capital
Tier 1 Leverage Ratio10.98%9.98%9.87%9.74%9.70%-128 bps
Total Risk-Based Capital15.16%15.21%14.78%14.95%15.34%+18 bps
Equity / Assets10.70%9.85%9.99%9.94%9.55%-116 bps
Liquidity & Funding
Loans / Deposits72.95%67.00%67.00%65.91%61.80%-1,114 bps
Liquid Assets / Assets11.78%16.45%13.80%12.61%17.64%+586 bps
CRE / Total Capitaln/an/an/an/an/an/an/a