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Letter portraitLegal landscapeQuarterYTD

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