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Letter portraitLegal landscapeQuarterYTD

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 $1.7MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $45.5M35%Noninterest $25.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.67%, up 16 bps year over year; NIM at 2.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • 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.

Return on Assets (quarter, annualized)

0.67%+16 bps YoY

Net Interest Margin (quarter, annualized)

2.10%+14 bps YoY

Efficiency Ratio (quarter, annualized)

66.29%-655 bps YoY

Tier 1 Leverage Ratio

12.02%+34 bps YoY

NIM

2.92%Q2 ’243.07%Q2 ’253.25%Q2 ’26+45%+7%

Non-interest income vs. expense

1.61%Q2 ’241.74%Q2 ’251.71%Q2 ’26+20%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.23%0.48%0.51%1.18%-0.06%0.67%0.67%+16 bps
Return on Equity5.44%2.22%4.59%4.76%10.38%-0.54%5.68%5.69%+93 bps
Net Interest Margin2.05%1.66%1.94%1.97%2.84%1.52%2.15%2.10%+14 bps
Efficiency Ratio72.54%85.45%74.16%72.83%52.85%102.60%66.35%66.29%-655 bps
Non-Interest Burden1.38%1.36%1.33%1.32%1.31%1.57%1.29%1.23%-9 bps
Growth
Asset Growth (YoY)-1.72%-10.44%-12.22%-4.35%-4.70%-0.63%-2.84%-5.95%-160 bps
Loan Growth (YoY)12.94%7.33%15.65%20.07%-8.54%-12.97%-10.74%-14.78%-3,485 bps
Deposit Growth (YoY)-4.25%-12.34%-14.73%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.00%0.09%0.39%0.00%-0.05%0.00%0.05%-34 bps
Allowance / Loans3.15%3.07%3.28%3.21%3.45%3.54%3.73%3.91%+70 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.40%11.83%11.77%11.68%12.56%12.75%12.58%12.02%+34 bps
Total Risk-Based Capital11.40%11.83%11.77%11.68%12.56%12.75%12.58%12.02%+34 bps
Equity / Assets10.52%10.40%10.64%10.78%12.08%11.99%11.75%11.86%+107 bps
Liquidity & Funding
Loans / Deposits12.54%13.27%11.99%12.06%12.24%11.84%11.15%11.06%-100 bps
Liquid Assets / Assets37.37%36.29%32.91%32.26%26.73%24.28%17.62%18.56%-1,370 bps
CRE / Total Capitaln/an/an/an/a22.27%22.19%20.83%n/an/a