CITIZENS NATIONAL BANK OF CROSBYTON

CROSBYTON, TX | Micro | Est. Jan. 1, 1907, midnight | FDIC #3158 | RSSD #901451 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK OF CROSBYTON is amn micro FDIC-insured commercial bank headquartered in CROSBYTON, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $77M and total deposits of $64M. Profitability stands at 1.65% ROA and 9.76% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 16.80%, 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 #3158.

Assets

$77M

Deposits

$64M

Loans

$26M

Equity

$13M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 9.76%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.83%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 16.80%
Tier 1 Capital 16.80%
Total Capital Ratio 17.64%
Leverage Ratio 16.75%
Loan-to-Deposit 41.29%

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