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
Unfavorable gap of $1.0M · efficiency ratio beats 42% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.87% | 1.20% | 1.65% | Beats 20% | 169 / 211 | | |
| Return on Equity | 5.79% | 7.52% | 11.67% | 14.58% | Beats 18% | 172 / 211 | | |
| Net Interest Margin | 2.15% | 3.28% | 3.82% | 4.31% | Beats 0% | 210 / 211 | | |
| Efficiency Ratio | 66.32% | 53.01% | 64.18% | 73.65% | Beats 42% | 124 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 50% | 105 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.02% | 11.72% | 14.45% | 19.57% | Beats 27% | 154 / 211 | | |
| Total Risk-Based Capital Ratio | 12.02% | 11.94% | 14.78% | 20.30% | Beats 27% | 155 / 211 | | |
| Equity / Assets | 11.86% | 9.41% | 11.06% | 12.94% | Beats 60% | 85 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 11.06% | 45.39% | 66.56% | 82.03% | 1st pctl | 206 / 208 | | |
| Loans / Assets | 9.74% | 39.13% | 56.90% | 70.46% | 3rd pctl | 205 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |