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Santa Anna National Bank, The

Santa Anna, TX · Cert 5520

FDIC · 1 branch

Q1 2025

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: Q1 2025, the quarter ended March 31, 2025, 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=225 to 228). 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

3

Q2 2024Q1 2025peer median (50)

Asset Quality

34

Q2 2024Q1 2025peer median (50)

Profitability

84

Q2 2024Q1 2025peer median (50)

Liquidity

73

Q2 2024Q1 2025peer median

Efficiency

82

Q2 2024Q1 2025peer 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

Santa Anna National Bank, The

Santa Anna, TX · Cert 5520

FDIC · 1 branch

Q1 2025

$76.9MAssets
$41.2MLoans
$71.4MDeposits
$5.0MEquity
Loan mix
11%RE $2.9M54%C&I $14.3M35%Consumer $9.5MQ1 2024Q1 2025
Deposit mix
76%Interest-bearing $54.0M24%Noninterest $17.4MQ1 2024Q1 2025

NIM

4.85%Q1 ’235.98%Q1 ’245.97%Q1 ’25+6%-3%

Non-interest income vs. expense

2.70%Q1 ’232.86%Q1 ’242.40%Q1 ’25+6%-18%

Executive Summary

  • Earnings: ROA of 1.73%, up 25 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.50% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.62%, down 194 bps from a year ago.
  • Funding: loans stand at 57.66% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.73%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-14 bps YoY

Efficiency Ratio (YTD, annualized)

52.87%-761 bps YoY

Tier 1 Leverage Ratio

8.62%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.48%1.61%1.67%1.55%1.73%+25 bps
Return on Equity19.57%21.19%21.48%21.07%27.65%+808 bps
Net Interest Margin4.21%4.25%4.19%3.94%4.07%-14 bps
Efficiency Ratio60.48%58.20%56.72%59.44%52.87%-761 bps
Non-Interest Burden2.34%2.24%2.14%2.14%1.93%-41 bps
Growth
Asset Growth (YoY)2.50%7.42%13.02%28.20%26.09%+2,359 bps
Loan Growth (YoY)9.41%15.22%12.43%6.59%1.94%-747 bps
Deposit Growth (YoY)10.97%17.08%18.50%36.29%33.24%+2,227 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.47%0.46%0.51%0.50%+1 bps
Net Charge-Offs / Loans0.04%0.02%0.03%0.03%0.03%-1 bps
Allowance / Loans1.32%1.28%1.28%1.35%1.35%+3 bps
Allowance Coverage of NPLs2.7x2.8x2.8x2.6x2.7x0.0x
Capital
Tier 1 Leverage Ratio10.55%10.60%10.58%8.92%8.62%-194 bps
Total Risk-Based Capital10.55%10.60%10.58%8.92%8.62%-194 bps
Equity / Assets7.50%7.63%8.22%5.97%6.51%-99 bps
Liquidity & Funding
Loans / Deposits75.36%73.96%70.54%57.83%57.66%-1,770 bps
Liquid Assets / Assets0.58%0.77%1.19%0.40%0.69%+11 bps
CRE / Total Capitaln/an/an/an/an/an/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

Santa Anna National Bank, The

Santa Anna, TX · Cert 5520 · Peer group: banks under $1B in assets in TX (n=225-228)

FDIC · 1 branch

Q1 2025

$76.9MAssets
$41.2MLoans
$71.4MDeposits
$5.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets in TX (rank 6 of 225).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in TX (rank 228 of 228).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.71%

Rank 37 of 228

Net Interest Margin

4.07%

Rank 66 of 228

Efficiency Ratio

52.87%

Rank 41 of 228

Equity / Assets

6.51%

Rank 208 of 228

Non-interest income vs. expense

$0.4M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 82% of banks under $1B in assets in TX
Bank 52.87%Peer median 65.2%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.76%1.09%1.48%Beats 84%37 / 228
Return on Equity26.27%6.96%10.63%14.91%Beats 97%6 / 225
Net Interest Margin4.07%3.07%3.63%4.25%Beats 71%66 / 228
Efficiency Ratio52.87%55.39%65.15%74.18%Beats 82%41 / 228
Asset Quality
Nonperforming Loans / Loans0.50%0.01%0.22%0.67%Beats 33%151 / 225
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 35%149 / 225
Capital
Tier 1 Capital Ratio8.62%11.65%14.55%19.25%Beats 0%228 / 228
Total Risk-Based Capital Ratio8.62%11.69%14.89%20.30%Beats 0%228 / 228
Equity / Assets6.51%8.58%10.37%12.02%Beats 9%208 / 228
Liquidity & Funding
Loans / Deposits57.66%47.92%67.81%82.04%35th pctl146 / 225
Loans / Assets53.49%42.11%58.88%69.86%39th pctl138 / 225
Brokered Deposits / Depositsn/aNot reported for this institution