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City National Bank of San Saba, The

San Saba, TX · Cert 5518 · CNB National Financial Corp.

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

38

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

42

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 San Saba, The

San Saba, TX · Cert 5518 · CNB National Financial Corp.

National charter · OCC · 1 branch

Q2 2026

$80.0MAssets
$7.8MLoans
$70.5MDeposits
$9.5MEquity
Loan mix
54%RE $3.9M23%C&I $1.7M23%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $45.5M35%Noninterest $25.0MQ2 2025Q2 2026

NIM

2.97%Q2 ’243.02%Q2 ’253.26%Q2 ’26+30%+10%

Non-interest income vs. expense

1.61%Q2 ’241.73%Q2 ’251.72%Q2 ’26+5%-4%

Executive Summary

  • Earnings: ROA of 0.68%, up 18 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.02%, up 34 bps from a year ago.
  • Funding: loans stand at 11.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.15%+20 bps YoY

Efficiency Ratio (YTD, annualized)

66.32%-717 bps YoY

Tier 1 Leverage Ratio

12.02%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.73%0.54%0.67%0.68%+18 bps
Return on Equity4.69%6.64%4.82%5.68%5.69%+100 bps
Net Interest Margin1.95%2.32%2.16%2.15%2.15%+20 bps
Efficiency Ratio73.49%65.37%72.25%66.35%66.32%-717 bps
Non-Interest Burden1.32%1.37%1.44%1.29%1.27%-5 bps
Growth
Asset Growth (YoY)-4.35%-4.70%-0.63%-2.84%-5.95%-160 bps
Loan Growth (YoY)20.07%-8.54%-12.97%-10.74%-14.78%-3,485 bps
Deposit Growth (YoY)-6.25%-6.33%-2.43%-4.05%-7.09%-84 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.17%0.12%0.00%0.03%-21 bps
Allowance / Loans3.21%3.45%3.54%3.73%3.91%+70 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.68%12.56%12.75%12.58%12.02%+34 bps
Total Risk-Based Capital11.68%12.56%12.75%12.58%12.02%+34 bps
Equity / Assets10.78%12.08%11.99%11.75%11.86%+107 bps
Liquidity & Funding
Loans / Deposits12.06%12.24%11.84%11.15%11.06%-100 bps
Liquid Assets / Assets32.26%26.73%24.28%17.62%18.56%-1,370 bps
CRE / Total Capitaln/a22.27%22.19%20.83%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 San Saba, The

San Saba, TX · Cert 5518 · Peer group: banks under $1B in assets in TX (n=208-211) · CNB National Financial Corp.

National charter · OCC · 1 branch

Q2 2026

$80.0MAssets
$7.8MLoans
$70.5MDeposits
$9.5MEquity

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 100% of banks under $1B in assets in TX (rank 210 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.69%

Rank 169 of 211

Net Interest Margin

2.15%

Rank 210 of 211

Efficiency Ratio

66.32%

Rank 124 of 211

Equity / Assets

11.86%

Rank 85 of 211

Non-interest income vs. expense

$0.4M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 42% of banks under $1B in assets in TX
Bank 66.32%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.87%1.20%1.65%Beats 20%169 / 211
Return on Equity5.79%7.52%11.67%14.58%Beats 18%172 / 211
Net Interest Margin2.15%3.28%3.82%4.31%Beats 0%210 / 211
Efficiency Ratio66.32%53.01%64.18%73.65%Beats 42%124 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 50%105 / 208
Capital
Tier 1 Capital Ratio12.02%11.72%14.45%19.57%Beats 27%154 / 211
Total Risk-Based Capital Ratio12.02%11.94%14.78%20.30%Beats 27%155 / 211
Equity / Assets11.86%9.41%11.06%12.94%Beats 60%85 / 211
Liquidity & Funding
Loans / Deposits11.06%45.39%66.56%82.03%1st pctl206 / 208
Loans / Assets9.74%39.13%56.90%70.46%3rd pctl205 / 211
Brokered Deposits / Depositsn/aNot reported for this institution