Banks CITIZENS NATIONAL BANK

CITIZENS NATIONAL BANK

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

CITIZENS NATIONAL BANK is an 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%. CET1 capital ratio: 11.41%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%.

Assets
$103M
Deposits
$90M
Loans
$37M
Equity
$12M

Profitability

Return on Assets (ROA)1.98%
Return on Equity (ROE)17.41%
Net Interest Margin4.19%
Yield on Assets4.53%
Cost of Funds0.36%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.60%

Capital & Liquidity

CET1 Ratio11.41%
Tier 1 Capital11.41%
Total Capital Ratio11.98%
Leverage Ratio13.07%
Loan-to-Deposit41.25%

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