CITIZENS NATIONAL BANK

CAMERON, TX | Medium | Est. July 1, 1900, midnight | FDIC #3127 | RSSD #59352 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in CAMERON, TX, established in July 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $660M and total deposits of $576M. Profitability stands at 1.57% ROA and 12.78% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 17.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #3127.

Assets

$660M

Deposits

$576M

Loans

$424M

Equity

$81M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 12.78%
Net Interest Margin (NIM) 3.95%
Yield on Assets 5.68%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 17.07%
Tier 1 Capital 17.07%
Total Capital Ratio 18.32%
Leverage Ratio 12.54%
Loan-to-Deposit 73.71%

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