First National Bank of Burleson

Burleson, TexasFDIC Cert #23430

OCCEstablished 19812 branches

Holding company: CITADEL BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$58.1M
Investor CRE	$16.1M
Multifamily	$1.99M
Construction	$4.94M
1–4 family	$11.7M
C&I	$6.22M
Agriculture	$1.66M
Other	$3.22M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$104M

−0.0%y/y

Percentile by value43rd percentileby value

FDICLNLSGR

Net loans

$103M

−0.0%y/y

Percentile by value43rd percentileby value

FDICLNLSNET

Loans YoY

−0.02%

+95.4%y/y

Percentile by value23rd percentileby value

FDICLNLSNET

L/D

47.4%

+8.4%y/y

Percentile by value11th percentileby value

FDICLNLSNET + DEP

Loans/assets

41.2%

+7.5%y/y

Percentile by value11th percentileby value

FDICLNLSNET + ASSET

RE loans %

95.19%

+0.8%y/y

Percentile by value83rd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,576points

+17.6%y/y

Peer standing18th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

55.92%

+13.4%y/y

Percentile by value100th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

15.50%

−12.1%y/y

Percentile by value76th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.98%

−10.2%y/y

Percentile by value29th percentileby value

FDICLNCI + LNLSGR