Banks CITIZENS NATIONAL BANK OF TEXAS

CITIZENS NATIONAL BANK OF TEXAS

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

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%.

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 Margin5.58%
Yield on Assets7.09%
Cost of Funds1.58%

Asset Quality

NPL Ratio0.87%
Net Charge-Off Ratio0.09%
Texas Ratio5.98%
NPA Ratio0.79%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio13.91%
Tier 1 Capital13.91%
Total Capital Ratio15.10%
Leverage Ratio12.33%
Loan-to-Deposit102.19%

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