CITIZENS NATIONAL BANK OF TEXAS is an 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%. CET1 capital ratio: 13.91%, well above regulatory minimums. NPL ratio: 0.87% · Texas Ratio: 5.98%.
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