PackageTrendsPeer
Letter portraitLegal landscape

City National Bank of Sulphur Springs, The

Sulphur Springs, TX · Cert 5544 · Sulphur Springs Bancshares Inc.

National charter · OCC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

66

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 Sulphur Springs, The

Sulphur Springs, TX · Cert 5544 · Sulphur Springs Bancshares Inc.

National charter · OCC · 17 branches

Q2 2026

$1.4BAssets
$961.6MLoans
$1.2BDeposits
$132.7MEquity
Loan mix
88%RE $805.6M7%C&I $66.1M4%Consumer $40.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $832.7M32%Noninterest $398.3MQ2 2025Q2 2026

NIM

5.26%Q2 ’245.42%Q2 ’255.72%Q2 ’26+5%+10%

Non-interest income vs. expense

2.77%Q2 ’242.81%Q2 ’252.89%Q2 ’26+1%+1%

Market Position · Longview, TX · 2026 SOD (annual) · 0.3% share · #22 of 25 inst. · $0.0B of $8.0B

34.4% Wood
29.8% Hopkins
24.5% Van Zandt
14.2% Morris

Executive Summary

  • Earnings: ROA of 1.79%, up 38 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.15% of loans (-68 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 9.78%, up 10 bps from a year ago.
  • Funding: loans stand at 78.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+42 bps YoY

Efficiency Ratio (YTD, annualized)

53.95%-368 bps YoY

Tier 1 Leverage Ratio

9.78%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.53%1.55%1.83%1.79%+38 bps
Return on Equity16.07%17.08%16.98%18.86%18.52%+245 bps
Net Interest Margin4.03%4.09%4.13%4.39%4.45%+42 bps
Efficiency Ratio57.62%56.07%55.62%52.61%53.95%-368 bps
Non-Interest Burden1.96%1.92%1.91%1.89%1.98%+2 bps
Growth
Asset Growth (YoY)4.59%3.83%3.33%5.19%3.44%-115 bps
Loan Growth (YoY)2.01%2.53%4.03%4.10%6.14%+413 bps
Deposit Growth (YoY)8.74%7.80%4.18%5.33%2.74%-601 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.79%0.64%0.11%0.15%-68 bps
Net Charge-Offs / Loans0.10%0.07%0.15%-0.18%-0.09%-19 bps
Allowance / Loans1.56%1.57%1.48%1.51%1.48%-8 bps
Allowance Coverage of NPLs1.9x2.0x2.3x14.0x9.6x+7.7x
Capital
Tier 1 Leverage Ratio9.68%9.87%9.86%9.86%9.78%+10 bps
Total Risk-Based Capital15.58%15.62%15.57%15.34%15.00%-57 bps
Equity / Assets9.07%9.48%9.82%9.57%9.65%+58 bps
Liquidity & Funding
Loans / Deposits75.61%76.14%77.24%76.72%78.12%+250 bps
Liquid Assets / Assets4.65%4.49%6.04%4.97%4.18%-47 bps
CRE / Total Capitaln/a255%260%263%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 Sulphur Springs, The

Sulphur Springs, TX · Cert 5544 · Peer group: banks $1B-$10B in assets (n=322-328) · Sulphur Springs Bancshares Inc.

National charter · OCC · 17 branches

Q2 2026

$1.4BAssets
$961.6MLoans
$1.2BDeposits
$132.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 92% of banks $1B-$10B in assets (rank 27 of 328).
  • Widest gap: equity / assets trails 62% of banks $1B-$10B in assets (rank 204 of 328).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.78%

Rank 40 of 328

Net Interest Margin

4.45%

Rank 29 of 328

Efficiency Ratio

54.29%

Rank 113 of 328

Equity / Assets

9.65%

Rank 204 of 328

Non-interest income vs. expense

$12.6M$39.9MINCOMEEXPENSE
Unfavorable gap of $27.3M · efficiency ratio beats 66% of banks $1B-$10B in assets
Bank 54.29%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.78%0.91%1.22%1.52%Beats 88%40 / 328
Return on Equity18.46%8.43%11.45%14.43%Beats 92%27 / 328
Net Interest Margin4.45%3.03%3.45%3.83%Beats 91%29 / 328
Efficiency Ratio54.29%51.61%59.56%67.53%Beats 66%113 / 328
Asset Quality
Nonperforming Loans / Loans0.15%0.24%0.51%1.03%Beats 82%59 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 71%93 / 322
Capital
Tier 1 Capital Ratio13.75%11.75%13.15%15.47%Beats 59%134 / 328
Total Risk-Based Capital Ratio15.00%12.63%14.15%16.46%Beats 62%124 / 328
Equity / Assets9.65%9.15%10.33%12.01%Beats 38%204 / 328
Liquidity & Funding
Loans / Deposits78.12%76.63%87.92%95.36%27th pctl236 / 323
Loans / Assets69.94%65.18%74.15%79.98%36th pctl210 / 328
Brokered Deposits / Depositsn/aNot reported for this institution