BanksCITY NATIONAL BANK OF SULPHUR SPRINGS, THE

CITY NATIONAL BANK OF SULPHUR SPRINGS, THE

SULPHUR SPRINGS, TXLargeEst. Jan. 1, 1889, midnightFDIC #5544RSSD #596062OCC
Latest · 2025-12-31

CITY NATIONAL BANK OF SULPHUR SPRINGS, THE is an FDIC-insured commercial bank headquartered in SULPHUR SPRINGS, TX, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 2.01% ROA and 20.83% ROE, with a net interest margin of 4.80%. CET1 capital ratio: 14.32%, well above regulatory minimums. NPL ratio: 0.62% · Texas Ratio: 3.93%. Operates 17 domestic branches.

Assets
$1.4B
Deposits
$1.2B
Loans
$933M
Equity
$133M

Profitability

Return on Assets (ROA)2.01%
Return on Equity (ROE)20.83%
Net Interest Margin4.80%
Yield on Assets6.29%
Cost of Funds1.53%

Asset Quality

NPL Ratio0.62%
Net Charge-Off Ratio0.15%
Texas Ratio3.93%
NPA Ratio0.43%
ACL / Loans1.48%

Capital & Liquidity

CET1 Ratio14.32%
Tier 1 Capital14.32%
Total Capital Ratio15.57%
Leverage Ratio9.86%
Loan-to-Deposit77.24%

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