CITIZENS NATIONAL BANK

CROCKETT, TX | Small | Est. Sept. 7, 1982, midnight | FDIC #24085 | RSSD #700252 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CROCKETT, TX, established in Sept. 7, 1982, midnight. As of 2025-12-31, the bank reported total assets of $103M and total deposits of $90M. Profitability stands at 1.98% ROA and 17.41% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 11.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #24085.

Assets

$103M

Deposits

$90M

Loans

$37M

Equity

$12M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 17.41%
Net Interest Margin (NIM) 4.19%
Yield on Assets 4.53%
Cost of Funds 0.69%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 11.41%
Tier 1 Capital 11.41%
Total Capital Ratio 11.98%
Leverage Ratio 13.07%
Loan-to-Deposit 41.25%

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