Citizens National Bank
Citizens National Bank is a locally rooted FDIC-insured community bank based in Cameron, TX. On its most recent Q1 2026 call report, Citizens National reported $668M in total assets against $582M in deposits. The bank posts a strong 1.58% ROA and 12.80% ROE. Regulatory capital is solid — 16.51% CET1 and 17.76% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. Citizens National operates a 12-branch network.
Headquarters Profile
- Address
- 118 S Houston Ave, CAMERON, TX 76520
- County
- Milam
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- July 1, 1900
- Branches
- 12 domestic
- Employees (FTE)
- 84
- FDIC Cert
- 3127
- Fed RSSD
- 59352
- Website
- www.cnbanktexas.com →
- Parent Holding Company
- CENTRAL TEXAS FINANCIAL CORP. (RSSD 3137729)
Capital & Liquidity
Inside the full Citizens National Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Citizens National Bank — freeThis is just Citizens National Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Citizens National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Citizens National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Citizens National Bank
What are Citizens National Bank's total assets?
As of the Q1 2026 filing, Citizens National Bank reported total assets of $668.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank headquartered?
Citizens National Bank is headquartered in CAMERON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens National Bank founded?
Citizens National Bank was established in 1900, per the FDIC institution directory.
Is Citizens National Bank FDIC-insured?
Yes. Citizens National Bank is an FDIC-insured commercial bank (FDIC Certificate #3127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank?
Citizens National Bank'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 Citizens National Bank's CET1 capital ratio?
Citizens National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.51% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Citizens National Bank operate?
Citizens National Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens National Bank's Texas Ratio?
Citizens National Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Citizens National Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required