Bank call report · Cameron, TX
Citizens National Bank Call Report
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Citizens National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 284 reported line items, schedule by schedule (781 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 59352 |
| FDIC certificate number | 3127 |
| Total assets | $691.8M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens National Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · Citizens National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $691.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $691.8M |
| Total Liabilities and Minority Interest | RCON2948 | $606.5M |
| Total Deposits | RCON2200 | $604.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $473.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $422.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $415.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $200.3M |
| Deposits: Noninterest-bearing | RCON6631 | $130.8M |
| Total Equity Capital | RCON3210 | $85.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $85.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $84.4M |
| Interest-bearing Balances | RCON0071 | $46.4M |
| Other Assets | RCON2160 | $12.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $11.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.7M |
| Other Liabilities, Total | RCON2930 | $2.6M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.1M |
| Common Stock | RCON3230 | $1.5M |
| Surplus | RCON3839 | $1.5M |
Schedule RI: Income Statement (37 items)
About Schedule RI · Citizens National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $17.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $13.5M |
| Net Interest Income | RIAD4074 | $12.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $10.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $6.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.8M |
| Total Noninterest Expense | RIAD4093 | $6.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.4M |
| Net Income (Loss) | RIAD4340 | $5.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.4M |
| Total Interest Expense | RIAD4073 | $5.2M |
| Salaries and Employee Benefits | RIAD4135 | $4.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.2M |
| Interest on Other Securities | RIAD4060 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.7M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.4M |
| Applicable Income Taxes | RIAD4302 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $982K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $826K |
| Total Noninterest Income | RIAD4079 | $775K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $758K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $607K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $596K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $500K |
| Other Noninterest Income | RIADB497 | $445K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $330K |
| Provision for Loan and Lease Losses | RIAD4230 | -$153K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $86K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $78K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $52K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $27K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $11K |
| Other Interest Income | RIAD4518 | $11K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 86 |
Schedule RC-B: Securities (24 items)
About Schedule RC-B · Citizens National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $537K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $526K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $203.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $85.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $83.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $82.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $81.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $81.2M |
| Pledged Securities | RCON0416 | $59.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $58.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $52.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $33.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $32.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $32.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $20.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $2.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $526K |
| Amortized Cost of Structured Notes | RCON8782 | $505K |
| Fair Value of Structured Notes | RCON8783 | $504K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $13K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Citizens National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $422.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $180.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $154.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $144.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $96.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $70.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $61.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $61.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $38.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $36.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $30.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $22.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $21.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $18.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $17.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $15.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $14.3M |
| Commercial and Industrial Loans | RCON1766 | $14.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $13.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $10.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $467K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $420K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $334K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $147K |
| Other Loans | RCONJ464 | $38K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $41.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $3.2M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $2.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $930K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $526K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 127 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 100 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 95 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 44 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 34 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 23 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 19 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 18 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 14 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 14 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 11 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Citizens National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $343.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $332.6M |
| Total Transaction Accounts | RCON2215 | $261.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $221.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $130.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $113.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $94.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $94.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $68.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $56.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $53.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $49.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $47.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $47.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $39.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $24.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $10.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $8.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $461K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $120K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.9M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Other Assets | RCON2168 | $453K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $390K |
| Prepaid Expenses | RCON2166 | $289K |
| Net Deferred Tax Assets | RCON2148 | $232K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $895K |
| All Other Liabilities | RCON2938 | $238K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $218K |
| Operating lease liabilities | RCONLB56 | $84K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Citizens National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $686.4M |
| Quarterly Average of Total Loans | RCON3360 | $430.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $319.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $164.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $133.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $117.3M |
| All Other Securities | RCONB560 | $108.2M |
| Mortgage-backed Securities | RCONB559 | $88.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $75.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $52.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $35.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $17.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $14.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Citizens National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $24.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $3.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $509K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Citizens National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $13.9M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · Citizens National Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $686.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $604.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $313.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $283.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $86.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $361K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,895 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 385 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 286 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Citizens National Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Citizens National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $686.4M |
| Average total consolidated assets | RCOAKW03 | $686.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $508.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $93.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $87.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $87.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $87.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $85.3M |
| Retained Earnings | RCOAKW00 | $84.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $3.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1843 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1718 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1718 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1273 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1043 |
Schedule RC-R, Part II: Risk-Weighted Assets (42 items)
About Schedule RC-R, Part II · Citizens National Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $509.2M |
| Total Risk-weighted Assets | RCONG641 | $508.8M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $436.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $436.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $420.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $327.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $315.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $200.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $121.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $121.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $118.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $97.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $97.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $94.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $94.4M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $81.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $61.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $61.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $52.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $49.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $48.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $28.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $24.3M |
| Total All Other Assets | RCOND981 | $23.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $23.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $14.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $14.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $12.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$9.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $6.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$2.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.3M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $509K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $509K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $509K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $271K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $90K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $1K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $85.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $81.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $81.4M |
| Other Comprehensive Income | RIADB511 | -$1.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Citizens National Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $2K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $2K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
| Charge-offs on Automobile Loans | RIADK129 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens National Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.7M |
| Allowance for Loan and Lease Losses | RIAD3123 | $6.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $180K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Citizens National Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens National Bank call report?
The Citizens National Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens National Bank file?
Citizens National Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens National Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens National Bank has Federal Reserve RSSD ID 59352 and FDIC certificate number 3127. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens National Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens National Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)