CITIZENS NATIONAL BANK AT BROWNWOOD

BROWNWOOD, TX | Small | Est. Sept. 28, 1934, midnight | FDIC #14779 | RSSD #233358 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK AT BROWNWOOD is asn small FDIC-insured commercial bank headquartered in BROWNWOOD, TX, established in Sept. 28, 1934, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $275M. Profitability stands at 1.12% ROA and 11.67% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 9.40%. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 2.60%. FDIC Certificate #14779.

Assets

$306M

Deposits

$275M

Loans

$103M

Equity

$29M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 11.67%
Net Interest Margin (NIM) 3.31%
Yield on Assets 4.60%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.10%
Texas Ratio 2.60%
NPA Ratio 0.26%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 9.40%
Tier 1 Capital 9.40%
Total Capital Ratio 9.87%
Leverage Ratio 10.33%
Loan-to-Deposit 37.39%

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