The City National Bank of San Saba: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 83.31 percentage points higher than in Q1 2026, at 83.31%. The City National Bank of San Saba ranks 281st of 345 Texas banks on return on assets, in the lower half at 0.86% (Q2 2026). The City National Bank of San Saba reported 0.86% on return on assets for Q2 2026, 0.13 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.02% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 11.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 83.31% |
| Non-performing assets ratio | 8.12% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 66.32% |
| Allowance for credit losses to loans | 3.91% |
| Reserve coverage of non-performing loans | 4.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 7.25% |
| Net interest margin | 2.33% |
| Efficiency ratio | 64.33% |
| Yield on earning assets | 3.55% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 11.06% |
| Core deposits to total deposits | 97.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.09% |
| Securities to assets | 73.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 0.11% | 1.72% | 0.00% | 0.05% |
| Q4 2023 | 10.62% | 0.25% | 1.75% | 0.00% | 0.00% |
| Q1 2024 | 10.42% | 0.21% | 1.80% | 0.00% | 0.45% |
| Q2 2024 | 10.51% | 0.24% | 1.51% | 22.71% | -0.05% |
| Q3 2024 | 11.40% | 0.66% | 2.38% | 0.00% | 0.05% |
| Q4 2024 | 11.83% | 0.29% | 1.83% | 68.93% | 0.00% |
| Q1 2025 | 11.77% | 0.59% | 2.19% | 0.00% | 0.09% |
| Q2 2025 | 11.68% | 0.63% | 2.20% | 0.00% | 0.39% |
| Q3 2025 | 12.56% | 1.52% | 3.12% | 0.00% | 0.00% |
| Q4 2025 | 12.75% | -0.06% | 1.72% | 65.14% | -0.05% |
| Q1 2026 | 12.58% | 0.85% | 2.38% | 0.00% | 0.00% |
| Q2 2026 | 12.02% | 0.86% | 2.33% | 83.31% | 0.05% |
The City National Bank of San Saba vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of San Saba, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The City National Bank of San Saba profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5518) · FFIEC NIC profile (RSSD 714165)