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The City National Bank of Sulphur Springs

$1B-$10B Specialty: Commercial TX FDIC cert 5544

Designations: ✓ Community bank

Sulphur Springs, TX

17 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +2.7% year over year ($1.2B on the books).
  • Delinquency rate 0.16%.
  • Return on assets 2.28%.
  • Efficiency ratio 53.95% vs a 59.73% peer average.
  • Loan-to-deposit ratio 76.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

The City National Bank of Sulphur Springs demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 12.2% in tier
  • + Deposit Franchise: Top 41.2% in tier
  • + Revenue Diversifier: Top 44.6% in tier
  • + Efficiency Ratio 5.78% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The City National Bank of Sulphur Springs releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.4B
+3.4% YoY +0.1% QoQ
-$1.4B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $947.3M
+6.2% YoY +1.8% QoQ
-$1.0B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $1.2B
+2.7% YoY -0.0% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 2.28%
+27.6% YoY -1.8% QoQ
+0.89% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.6% in tier
Net Interest Margin ? 4.80%
+9.0% YoY +2.2% QoQ
+0.93% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 7.7% in tier
Efficiency Ratio ? 53.95%
-6.4% YoY +2.5% QoQ
-5.78% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.16%
-81.4% YoY +43.1% QoQ
-0.71% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 76.96%
+3.4% YoY +1.8% QoQ
-8.08% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 32.36%
-2.5% YoY -2.0% QoQ
+11.08% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 11.1% in tier
Nonperforming Asset Ratio ? 0.11%
-81.2% YoY +45.5% QoQ
-0.57% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 13.75%
-4.0% YoY -2.4% QoQ
-1.09% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.46%
+8.1% YoY +105.1% QoQ
-0.07% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 32.4%
-0.8pp YoY
-0.7pp QoQ
 +11.0pp 21.4% 29.2% 22.2% 89%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 7.2%
+0.1pp YoY
+0.1pp QoQ
 -6.8pp 14.0% 14.8% 12.5% 29%
CRE 39.1%
+3.4pp YoY
+1.4pp QoQ
 -10.9pp 50.0% 48.4% 41.4% 22%
1-4 Family 35.4%
-3.4pp YoY
-1.4pp QoQ
 +9.0pp 26.4% 25.8% 31.3% 76%
Consumer 4.1%
-0.7pp YoY
-0.3pp QoQ
 -0.6pp 4.7% 4.7% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.8%
-0.6pp YoY
-0.3pp QoQ
 -1.8pp 15.6% 22.7% 19.7% 54%
Leverage Ratio 9.8%
+0.1pp YoY
-0.1pp QoQ
 -1.5pp 11.3% 12.6% 12.6% 31%
Total Capital Ratio 15.0%
-0.6pp YoY
-0.3pp QoQ
 -1.7pp 16.7% 23.8% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 250
+3 (+1.2%) YoY
+6 (+2.5%) QoQ
 -64 313 186 482 55%
Assets per Employee ($) $5.5M
+2.2% YoY
-2.3% QoQ
 -$5.0M $10.5M $10.1M $8.8M 7%
Branch Count 17
0 YoY
0 QoQ
 -3 20 12 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.2% 0.3% 0.4% 79%
Nonaccrual 0.0%
-0.8pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 5%
Allowance Coverage 9.60x
+409.9% YoY
-31.3% QoQ
 -9.11x 18.71x 18.82x 20.23x 88%
Net Charge-off Rate (YTD) -0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.4pp 0.3% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 23.6%
+3.2pp YoY
-0.4pp QoQ
 +11.0pp 12.6% 13.2% 11.6% 95%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.6% 1.7% 18%
Net Income ($, YTD) $15.6M
+32.7% YoY
— QoQ
 -$3.7M $19.2M $15.9M $40.4M 62%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth
#28 of 222 • Top 12.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.28%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#34 of 80 • Top 41.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 32.36%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#100 of 222 • Top 44.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.46%
(Tier: 0.53%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.28%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

51
Return on Assets
profitability
Value: 2.28%
Peer Median: 1.39%
#51 of 885 Top 5.6% in $1B-$10B
69
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.87%
#69 of 885 Top 7.7% in $1B-$10B
99
Non-Interest-Bearing Deposit Share
funding
Value: 32.36%
Peer Median: 21.27%
#99 of 885 Top 11.1% in $1B-$10B
145
Nonperforming Asset Ratio
credit_quality
Value: 0.11%
Peer Median: 0.67%
#145 of 885 Top 16.3% in $1B-$10B
160
Delinquency Rate
credit_quality
Value: 0.16%
Peer Median: 0.87%
#160 of 882 Top 18.0% in $1B-$10B
206
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.53%
#206 of 885 Top 23.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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