Citizens National Bank (Cameron, TX)
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank is an FDIC-insured commercial bank headquartered in Cameron, TX, established in 1900 (FDIC certificate 3127), and it is supervised by the OCC. At Q2 2026 it reported total assets of $691.8M, up 10.1% from Q2 2025, the 125th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3127
- Headquarters
- Cameron, TX
- Established
- 1900
- Total assets, Q2 2026
- $691.8M
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 17.18%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 111902819
- Latest call report
- Q2 2026, FFIEC 051 · Citizens National Bank call report
- Holding company
- CENTRAL TEXAS FINANCIAL CORP.
- Asset rank in state
- 125th of 346 in Texas
Citizens National Bank, based in Cameron, Texas, reported $692 million in assets at June 30, 2026, up 10.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.3% and deposits rose 9.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Citizens National Bank reported a CET1 capital ratio of 17.18%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Citizens National Bank is the 125th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $691.8M, loans fell 1.6% and deposits rose 3.8%. Non-owner-occupied commercial real estate loans made up 42.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.5%. The FDIC Summary of Deposits lists 13 offices for it, in 10 cities in TX; its Cameron 2 offices book 26% of its branch deposits. On its Q2 2026 call report, Citizens National Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1900
- Former names
- Citizens National Bank of Milam County (1988-2002)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $604.0M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $686.4M
- Average total loans
- $430.6M
- Average interest-bearing deposits
- $467.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3127
- Fed RSSD
- 59352
- Website
- www.cnbanktexas.com →
- Parent Holding Company
- CENTRAL TEXAS FINANCIAL CORP. (RSSD 3137729)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens National Bank's total assets moved between a low of $605.2M (Q2 2024) and a high of $691.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$691.8M total assets against $628.1M; $606.5M total liabilities against $552.5M.
$415.9M net loans and leases against $421.4M; $604.0M total deposits against $550.0M.
$200.3M securities against $95.1M; $52.1M cash and balances due against $89.4M.
$9.0M total interest income against $8.0M; $2.7M total interest expense against $2.7M.
$6.3M net interest income against $5.4M.
$398K total noninterest income against $1.0M; $3.2M total noninterest expense against $2.8M.
$13K provision for credit losses against $0.
$2.8M net income against $2.9M.
1.62% return on assets against 1.83%; 3.81% net interest margin against 3.56%.
17.18% CET1 capital ratio against 16.91%; 12.73% tier 1 leverage ratio against 12.32%.
Inside the full Citizens National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens National Bank rankings
Its closest position to the top of a national ranking is 601 of 3,606, for efficiency ratio; its furthest is 3,387 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q3 2024) to 1.83% (Q2 2025) and its net interest margin ran from 2.91% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.18% | 1.62% | 0.00% | 0.00% | 3.81% |
| Q1 2026 | 16.51% | 1.58% | 0.00% | 0.00% | 3.78% |
| Q4 2025 | 17.07% | 1.56% | 0.00% | 0.01% | 3.75% |
| Q3 2025 | 16.21% | 1.49% | 0.00% | 0.00% | 3.65% |
| Q2 2025 | 16.91% | 1.83% | 0.00% | 0.00% | 3.56% |
| Q1 2025 | 16.47% | 1.17% | 0.06% | 0.30% | 3.14% |
| Q4 2024 | 16.35% | 1.32% | 0.06% | 0.34% | 3.09% |
| Q3 2024 | 15.79% | 1.06% | 0.23% | 1.35% | 2.91% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens National Bank (main office) | Cameron , TX | 76520 | $157.7M |
| Pflugerville Branch | Pflugerville , TX | 78660 | $113.6M |
| Rockdale Branch | Rockdale , TX | 76567 | $100.1M |
| Taylor Branch | Taylor , TX | 76574 | $97.6M |
| Giddings Branch | Giddings , TX | 78942 | $35.5M |
| Coupland Branch | Coupland , TX | 78615 | $30.0M |
| Round Rock Branch | Round Rock , TX | 78664 | $28.6M |
| Brenham Branch | Brenham , TX | 77833 | $24.8M |
| Citizens National Bank - Austin Branch | Cedar Park , TX | 78641 | $9.2M |
| Killeen Branch | Killeen , TX | 76541 | $6.9M |
| Giddings Drive Thru Branch | Giddings , TX | 78942 | $0 |
| Rockdale Branch | Rockdale , TX | 76567 | $0 |
| Drive-In Facility | Cameron , TX | 76520 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| September 23, 1988 | Structure Change | Acquired Community Bank and Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 22, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 164 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens National Bank
What are Citizens National Bank's total assets?
As of the Q2 2026 filing, Citizens National Bank reported total assets of $691.8 million in its FFIEC call report.
Where is Citizens National Bank headquartered?
It is headquartered in Cameron, TX, United States.
When was Citizens National Bank founded?
It was established in 1900, per the FDIC institution directory.
Is Citizens National Bank FDIC-insured?
Yes. It 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.
What is Citizens National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens National Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens National Bank previously called?
The charter now named Citizens National Bank has also operated as Citizens National Bank of Milam County (1988-2002), per FDIC structure-change records.
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