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Mission National Bank

San Antonio, TX · Cert 35015

FDIC · 7 branches

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=225 to 228). 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

48

Q2 2024Q1 2025peer median (50)

Asset Quality

62

Q2 2024Q1 2025peer median (50)

Profitability

9

Q2 2024Q1 2025peer median (50)

Liquidity

97

Q2 2024Q1 2025peer median

Efficiency

11

Q2 2024Q1 2025peer 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

Mission National Bank

San Antonio, TX · Cert 35015

FDIC · 7 branches

Q1 2025

$491.9MAssets
$285.7MLoans
$429.4MDeposits
$45.6MEquity
Loan mix
86%RE $188.6M13%C&I $28.4M1%Consumer $1.6MQ1 2024Q1 2025
Deposit mix
81%Interest-bearing $347.8M19%Noninterest $81.6MQ1 2024Q1 2025

NIM

4.06%Q1 ’234.55%Q1 ’244.64%Q1 ’25-21%+12%

Non-interest income vs. expense

2.59%Q1 ’232.49%Q1 ’242.45%Q1 ’25-5%+1%

Market Position · San Antonio-New Braunfels, TX · 2024 SOD (annual) · 0.1% share · #27 of 66 inst. · $0.2B of $179.0B

0.1% Bexar
5.7% Burnet
0.1% Travis
11.6% Blanco

Executive Summary

  • Earnings: ROA of 0.25%, up 23 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.70% of loans (+70 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.13%, up 11 bps from a year ago.
  • Funding: loans stand at 66.53% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.25%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+27 bps YoY

Efficiency Ratio (YTD, annualized)

89.39%-882 bps YoY

Tier 1 Leverage Ratio

10.13%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.02%0.04%0.06%0.09%0.25%+23 bps
Return on Equity0.25%0.49%0.73%1.07%2.77%+253 bps
Net Interest Margin2.29%2.25%2.28%2.35%2.57%+27 bps
Efficiency Ratio98.22%97.35%96.52%94.99%89.39%-882 bps
Non-Interest Burden2.21%2.14%2.16%2.18%2.23%+2 bps
Growth
Asset Growth (YoY)5.21%6.83%8.10%0.94%-3.17%-838 bps
Loan Growth (YoY)8.60%11.98%8.75%4.84%-6.72%-1,531 bps
Deposit Growth (YoY)3.95%6.21%5.07%-0.25%-3.00%-694 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.47%0.21%0.70%+70 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.09%1.04%1.08%1.12%1.19%+10 bps
Allowance Coverage of NPLsn/a5.4x2.3x5.4x1.7xn/a
Capital
Tier 1 Leverage Ratio10.02%9.76%9.75%9.82%10.13%+11 bps
Total Risk-Based Capital13.84%13.66%14.31%15.24%16.13%+229 bps
Equity / Assets8.25%8.29%9.03%8.75%9.26%+101 bps
Liquidity & Funding
Loans / Deposits69.18%71.91%71.04%69.48%66.53%-265 bps
Liquid Assets / Assets2.82%1.43%1.25%1.96%5.29%+246 bps
CRE / Total Capitaln/an/an/an/an/an/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

Mission National Bank

San Antonio, TX · Cert 35015 · Peer group: banks under $1B in assets in TX (n=225-228)

FDIC · 7 branches

Q1 2025

$491.9MAssets
$285.7MLoans
$429.4MDeposits
$45.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 63 of 225).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 207 of 228).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.25%

Rank 208 of 228

Net Interest Margin

2.57%

Rank 207 of 228

Efficiency Ratio

89.60%

Rank 205 of 228

Equity / Assets

9.26%

Rank 150 of 228

Non-interest income vs. expense

$1.1M$12.2MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 11% of banks under $1B in assets in TX
Bank 89.60%Peer median 65.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.25%0.76%1.09%1.48%Beats 9%208 / 228
Return on Equity2.71%6.96%10.63%14.91%Beats 9%205 / 225
Net Interest Margin2.57%3.07%3.63%4.25%Beats 9%207 / 228
Efficiency Ratio89.60%55.39%65.15%74.18%Beats 11%205 / 228
Asset Quality
Nonperforming Loans / Loans0.70%0.01%0.22%0.67%Beats 24%173 / 225
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%63 / 225
Capital
Tier 1 Capital Ratio15.07%11.65%14.55%19.25%Beats 54%104 / 228
Total Risk-Based Capital Ratio16.13%11.69%14.89%20.30%Beats 56%101 / 228
Equity / Assets9.26%8.58%10.37%12.02%Beats 34%150 / 228
Liquidity & Funding
Loans / Deposits66.53%47.92%67.81%82.04%48th pctl118 / 225
Loans / Assets58.07%42.11%58.88%69.86%47th pctl119 / 225
Brokered Deposits / Depositsn/aNot reported for this institution