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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