The City National Bank of Sulphur Springs: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The City National Bank of Sulphur Springs is one of the more profitable banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, up 3.4% from a year earlier; it is based in Sulphur Springs, Texas. It earns about $2.22 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.82 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Its $139 million non-owner-occupied commercial real estate book is improving, with 0.24% past due or on nonaccrual, down from 6.10% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.15% of loans from 0.83%.
As of June 30, 2026, The City National Bank of Sulphur Springs reported a CET1 capital ratio of 13.75%, a return on assets of 2.22%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 1.09%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 Connally St, Sulphur Springs, TX 75482
- County
- Hopkins
- Metro Area
- Sulphur Springs, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Offices
- 17 domestic
- Employees (FTE)
- 250
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- -$428K
- Average total assets
- $1.38B
- Average total loans
- $947.7M
- Average interest-bearing deposits
- $829.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5544
- Fed RSSD
- 596062
- Website
- www.bankatcnb.bank →
- Parent Holding Company
- SULPHUR SPRINGS BANCSHARES, INC. (RSSD 1131666)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The City National Bank of Sulphur Springs terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The City National Bank of Sulphur Springs, freeThe City National Bank of Sulphur Springs rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.75% | 2.22% | 0.15% | 1.09% | 4.82% |
| Q1 2026 | 14.09% | 2.32% | 0.11% | 0.76% | 4.66% |
| Q4 2025 | 14.32% | 1.99% | 0.64% | 4.39% | 4.67% |
| Q3 2025 | 14.36% | 2.24% | 0.79% | 5.61% | 4.54% |
| Q2 2025 | 14.32% | 1.84% | 0.83% | 6.19% | 4.40% |
| Q1 2025 | 14.02% | 1.70% | 0.89% | 6.86% | 4.21% |
| Q4 2024 | 13.63% | 1.42% | 0.89% | 7.27% | 4.14% |
| Q3 2024 | 13.61% | 1.82% | 0.99% | 7.73% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The City National Bank of Sulphur Springs | Sulphur Springs , TX | 75482 | $246.6M |
| Mockingbird Lane Branch | Sulphur Springs , TX | 75482 | $127.5M |
| Wills Point Br | Wills Point , TX | 75169 | $126.8M |
| Canton Branch | Canton , TX | 75103 | $123.1M |
| Winnsboro Branch | Winnsboro , TX | 75494 | $107.8M |
| Mineola Branch | Mineola , TX | 75773 | $79.9M |
| Yantis Branch | Yantis , TX | 75497 | $70.7M |
| Quitman Branch | Quitman , TX | 75783 | $58.3M |
| Naples Branch | Naples , TX | 75568 | $42.7M |
| Emory Branch | Emory , TX | 75440 | $41.8M |
| Holly Lake Branch | Hawkins , TX | 75765 | $41.0M |
| Hawkins Office | Hawkins , TX | 75765 | $40.2M |
| Pittsburg Branch | Pittsburg , TX | 75686 | $33.2M |
| Cass County Bank | Queen City , TX | 75572 | $33.0M |
| Grand Saline Branch | Grand Saline , TX | 75140 | $30.8M |
| Gladewater Branch | Gladewater , TX | 75647 | $23.9M |
| Atlanta Branch | Atlanta , TX | 75551 | $3.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 30, 2021 | Structure Change | Acquired The Morris County National Bank of Naples Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Structure Change | Acquired Citizens National Bank of Wills Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2011 | Structure Change | Acquired The First National Bank of Mineola Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 27, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2004 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | Structure Change | Acquired First National Bank of Sulphur Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for The City National Bank of Sulphur Springs, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 94 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 439 applications, 343 loans originated, $99.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The City National Bank of Sulphur Springs
What are The City National Bank of Sulphur Springs's total assets?
As of the Q2 2026 filing, The City National Bank of Sulphur Springs reported total assets of $1.37 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The City National Bank of Sulphur Springs headquartered?
The City National Bank of Sulphur Springs is headquartered in Sulphur Springs, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The City National Bank of Sulphur Springs founded?
The City National Bank of Sulphur Springs was established in 1889, per the FDIC institution directory.
Is The City National Bank of Sulphur Springs FDIC-insured?
Yes. The City National Bank of Sulphur Springs is an FDIC-insured commercial bank (FDIC Certificate #5544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City National Bank of Sulphur Springs?
The City National Bank of Sulphur Springs's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The City National Bank of Sulphur Springs's CET1 capital ratio?
The City National Bank of Sulphur Springs reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The City National Bank of Sulphur Springs operate?
The City National Bank of Sulphur Springs operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City National Bank of Sulphur Springs's Texas Ratio?
The City National Bank of Sulphur Springs's Texas Ratio is 1.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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