CITIZENS NATIONAL BANK OF TEXAS

WAXAHACHIE, TX | Large | Est. July 1, 1868, midnight | FDIC #5574 | RSSD #552161 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF TEXAS is aln large FDIC-insured commercial bank headquartered in WAXAHACHIE, TX, established in July 1, 1868, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.8B. Profitability stands at 2.04% ROA and 16.97% ROE, with a net interest margin of 5.58%. The bank's CET1 capital ratio is 13.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 5.98%. FDIC Certificate #5574.

Assets

$2.1B

Deposits

$1.8B

Loans

$1.8B

Equity

$255M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 16.97%
Net Interest Margin (NIM) 5.58%
Yield on Assets 7.09%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.09%
Texas Ratio 5.98%
NPA Ratio 0.79%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 13.91%
Tier 1 Capital 13.91%
Total Capital Ratio 15.10%
Leverage Ratio 12.33%
Loan-to-Deposit 102.19%

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