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City National Bank of Metropolis, The

Metropolis, IL · Cert 3814 · City National Bankcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

49

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

City National Bank of Metropolis, The

Metropolis, IL · Cert 3814 · City National Bankcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$444.4MAssets
$247.8MLoans
$343.9MDeposits
$47.5MEquity
Loan mix
88%RE $199.2M7%C&I $15.5M6%Consumer $12.7MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $287.9M16%Noninterest $56.0MQ3 2024Q2 2026

Market Position · Paducah, KY-IL · 2026 SOD (annual) · 10.5% share · #2 of 15 inst. · $0.3B of $3.3B

Executive Summary

  • Earnings: ROA of 0.75%, down 1 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.68% of loans (-19 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 13.78%, up 65 bps from a year ago.
  • Funding: loans stand at 72.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+33 bps YoY

Efficiency Ratio (YTD, annualized)

68.01%+161 bps YoY

Tier 1 Leverage Ratio

13.78%+65 bps YoY

NIM

4.30%Q2 ’244.56%Q2 ’254.72%Q2 ’26+5%+14%

Non-interest income vs. expense

1.82%Q2 ’241.84%Q2 ’252.01%Q2 ’26-7%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.57%0.63%0.76%0.79%0.80%0.70%0.75%-1 bps
Return on Equity6.00%6.13%6.76%8.11%8.26%8.16%6.58%7.05%-106 bps
Net Interest Margin2.31%2.32%2.34%2.43%2.47%2.54%2.75%2.76%+33 bps
Efficiency Ratio70.90%71.43%69.35%66.40%65.27%65.32%70.37%68.01%+161 bps
Non-Interest Burden1.57%1.59%1.55%1.50%1.51%1.56%1.87%1.82%+31 bps
Growth
Asset Growth (YoY)1.40%-0.84%2.80%0.47%0.10%1.26%-2.05%0.56%+9 bps
Loan Growth (YoY)-0.65%-0.75%0.48%3.42%7.01%4.89%7.13%7.97%+455 bps
Deposit Growth (YoY)-0.84%-0.62%1.11%0.20%-0.71%-0.46%-1.25%-1.80%-199 bps
Asset Quality
Nonperforming Loans / Loans1.48%1.69%1.86%1.87%1.75%1.61%1.44%1.68%-19 bps
Net Charge-Offs / Loans0.05%0.04%0.77%0.44%0.28%0.30%0.19%0.18%-26 bps
Allowance / Loans1.68%1.65%1.48%1.41%1.39%1.32%1.25%1.16%-25 bps
Allowance Coverage of NPLs1.1x1.0x0.8x0.8x0.8x0.8x0.9x0.7x-0.1x
Capital
Tier 1 Leverage Ratio13.11%12.93%13.11%13.13%13.35%13.35%13.74%13.78%+65 bps
Total Risk-Based Capital25.77%25.20%25.44%25.35%25.31%25.61%25.63%25.17%-18 bps
Equity / Assets10.03%9.20%9.43%9.54%10.16%10.73%10.70%10.68%+114 bps
Liquidity & Funding
Loans / Deposits62.75%64.40%62.88%65.53%67.63%67.86%68.21%72.05%+652 bps
Liquid Assets / Assets5.29%1.75%3.23%2.94%2.44%3.42%3.38%2.26%-68 bps
CRE / Total Capitaln/an/an/an/a99.02%92.28%92.90%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

City National Bank of Metropolis, The

Metropolis, IL · Cert 3814 · Peer group: banks under $1B in assets (n=581-629) · City National Bankcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$444.4MAssets
$247.8MLoans
$343.9MDeposits
$47.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets (rank 108 of 629).
  • Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets (rank 517 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.75%

Rank 431 of 629

Net Interest Margin

2.76%

Rank 533 of 629

Efficiency Ratio

68.01%

Rank 319 of 629

Equity / Assets

10.68%

Rank 312 of 629

Non-interest income vs. expense

$0.9M$9.1MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 49% of banks under $1B in assets
Bank 68.01%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.60%1.01%1.45%Beats 31%431 / 629
Return on Equity7.04%5.38%9.30%13.28%Beats 33%421 / 629
Net Interest Margin2.76%3.03%3.54%4.05%Beats 15%533 / 629
Efficiency Ratio68.01%58.35%67.79%79.08%Beats 49%319 / 629
Asset Quality
Nonperforming Loans / Loans1.68%0.09%0.46%1.20%Beats 16%488 / 581
Net Charge-Offs / Loans0.14%n/a0.01%0.06%Beats 11%517 / 581
Capital
Tier 1 Capital Ratio24.06%11.24%13.84%18.77%Beats 83%108 / 629
Total Risk-Based Capital Ratio25.17%11.58%14.43%19.66%Beats 83%107 / 629
Equity / Assets10.68%9.09%10.65%13.80%Beats 50%312 / 629
Liquidity & Funding
Loans / Deposits72.05%67.24%80.90%93.48%34th pctl395 / 594
Loans / Assets55.76%53.31%67.71%78.15%28th pctl455 / 629
Brokered Deposits / Depositsn/aNot reported for this institution