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Citizens National Bank of Texas

Waxahachie, TX · Cert 5574 · First Citizens Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

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 in the Dallas-Fort Worth-Arlington, TX area (n=20). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

80

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

Citizens National Bank of Texas

Waxahachie, TX · Cert 5574 · First Citizens Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$263.0MEquity
Loan mix
89%RE $1.7B11%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $1.4B25%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.53%Q2 ’246.37%Q2 ’256.51%Q2 ’26+19%+6%

Non-interest income vs. expense

2.70%Q2 ’242.67%Q2 ’252.58%Q2 ’26+1%0%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #29 of 166 inst. · $1.8B of $732.8B

38.1% Ellis
0.0% Dallas
2.3% Johnson
5.1% Erath

Executive Summary

  • Earnings: ROA of 2.49%, up 6 bps year over year; NIM at 5.07%.
  • Asset quality: problem loans at 1.42% of loans (+43 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.20%, up 1 bps from a year ago.
  • Funding: loans stand at 102.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.49%+6 bps YoY

Net Interest Margin (YTD, annualized)

5.07%+29 bps YoY

Efficiency Ratio (YTD, annualized)

45.89%-333 bps YoY

Tier 1 Leverage Ratio

12.20%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.43%2.12%2.10%2.16%2.49%+6 bps
Return on Equity20.63%17.96%17.65%17.70%20.55%-8 bps
Net Interest Margin4.78%4.69%4.76%5.00%5.07%+29 bps
Efficiency Ratio49.23%47.49%46.87%48.77%45.89%-333 bps
Non-Interest Burden2.02%1.85%1.85%2.17%2.02%0 bps
Growth
Asset Growth (YoY)3.44%4.77%8.56%9.94%10.94%+751 bps
Loan Growth (YoY)13.01%9.94%12.96%15.15%13.50%+49 bps
Deposit Growth (YoY)2.46%4.20%6.71%8.38%9.87%+741 bps
Asset Quality
Nonperforming Loans / Loans0.99%1.04%0.87%0.65%1.42%+43 bps
Net Charge-Offs / Loans0.00%0.00%0.09%0.00%0.04%+5 bps
Allowance / Loans0.97%1.11%1.11%1.09%1.08%+10 bps
Allowance Coverage of NPLs1.0x1.1x1.3x1.7x0.8x-0.2x
Capital
Tier 1 Leverage Ratio12.18%11.76%12.33%12.18%12.20%+1 bps
Total Risk-Based Capital14.76%14.89%15.10%14.62%14.75%-1 bps
Equity / Assets12.03%11.83%12.18%12.18%12.01%-1 bps
Liquidity & Funding
Loans / Deposits99.08%97.54%102.19%105.72%102.35%+327 bps
Liquid Assets / Assets8.13%9.71%7.13%4.12%6.57%-156 bps
CRE / Total Capitaln/a470%450%466%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

Citizens National Bank of Texas

Waxahachie, TX · Cert 5574 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · First Citizens Bancshares Inc.

National charter · OCC · 12 branches

Q2 2026

$2.2BAssets
$1.9BLoans
$1.9BDeposits
$263.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 1 of 20).
  • Widest gap: total risk-based capital ratio trails 70% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 14 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.43%

Rank 3 of 20

Net Interest Margin

5.07%

Rank 1 of 20

Efficiency Ratio

45.89%

Rank 5 of 20

Equity / Assets

12.01%

Rank 7 of 20

Non-interest income vs. expense

$12.0M$54.9MINCOMEEXPENSE
Unfavorable gap of $43.0M · efficiency ratio beats 80% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 45.89%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.43%0.68%1.15%1.86%Beats 85%3 / 20
Return on Equity20.19%7.45%10.95%14.25%Beats 90%2 / 20
Net Interest Margin5.07%2.87%3.58%4.28%Beats 95%1 / 20
Efficiency Ratio45.89%52.33%65.48%74.79%Beats 80%5 / 20
Asset Quality
Nonperforming Loans / Loans1.42%0.18%0.42%1.54%Beats 30%15 / 20
Net Charge-Offs / Loans0.03%0.00%0.02%0.14%Beats 45%12 / 20
Capital
Tier 1 Capital Ratio13.55%13.35%15.71%17.39%Beats 30%14 / 20
Total Risk-Based Capital Ratio14.75%14.55%16.02%18.64%Beats 30%14 / 20
Equity / Assets12.01%9.74%11.64%13.21%Beats 65%7 / 20
Liquidity & Funding
Loans / Deposits102.35%72.63%81.14%96.60%90th pctl2 / 20
Loans / Assets88.20%60.26%69.54%79.68%95th pctl1 / 20
Brokered Deposits / Depositsn/aNot reported for this institution