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Texas Citizens Bank, National Association

Pasadena, TX · Cert 58319

FDIC · 6 branches

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 2026-10-10

Texas Citizens Bank, National Association

Pasadena, TX · Cert 58319

FDIC · 6 branches

Q4 2021

$545.8MAssets
$358.5MLoans
$482.8MDeposits
$56.7MEquity
Loan mix
73%RE $183.3M24%C&I $59.7M3%Consumer $7.4MQ4 2020Q4 2021
Deposit mix
59%Interest-bearing $286.8M41%Noninterest $196.0MQ4 2020Q4 2021

NIM

5.51%Q4 ’194.42%Q4 ’203.81%Q4 ’21-8%-13%

Non-interest income vs. expense

3.91%Q4 ’193.52%Q4 ’203.33%Q4 ’21-6%-10%

Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 0.1% share · #47 of 95 inst. · $0.5B of $333.7B

0.1% Harris
0.3% Fort Bend

Executive Summary

  • Earnings: ROA of 0.73%, up 42 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 2.23% of loans (-111 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.60%, up 25 bps from a year ago.
  • Funding: loans stand at 74.25% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

0.73%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-53 bps YoY

Efficiency Ratio (YTD, annualized)

84.05%-188 bps YoY

Tier 1 Leverage Ratio

10.60%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.32%0.72%0.88%0.84%0.73%+42 bps
Return on Equity3.27%7.06%8.58%8.01%7.01%+375 bps
Net Interest Margin4.11%3.69%3.54%3.68%3.58%-53 bps
Efficiency Ratio85.94%86.14%82.99%83.62%84.05%-188 bps
Non-Interest Burden3.29%3.02%2.80%3.01%2.95%-34 bps
Growth
Asset Growth (YoY)3.37%5.81%-7.19%-7.60%2.19%-117 bps
Loan Growth (YoY)2.47%7.34%-13.61%-20.33%-14.28%-1,674 bps
Deposit Growth (YoY)-0.41%10.55%2.28%4.99%15.15%+1,556 bps
Asset Quality
Nonperforming Loans / Loans3.34%2.84%1.99%2.12%2.23%-111 bps
Net Charge-Offs / Loans0.38%0.32%0.14%0.06%0.03%-36 bps
Allowance / Loans1.77%1.55%1.56%1.75%1.81%+4 bps
Allowance Coverage of NPLs0.5x0.5x0.8x0.8x0.8x+0.3x
Capital
Tier 1 Leverage Ratio10.34%10.62%10.55%10.83%10.60%+25 bps
Total Risk-Based Capital15.45%15.90%16.02%16.89%16.52%+107 bps
Equity / Assets10.18%10.12%10.56%11.14%10.39%+21 bps
Liquidity & Funding
Loans / Deposits99.74%96.35%89.25%80.71%74.25%-2,549 bps
Liquid Assets / Assets15.76%15.20%19.21%23.09%28.91%+1,315 bps
CRE / Total Capitaln/an/an/an/an/an/an/a