Citizens National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.78 percentage points lower than in Q1 2026, at 69.93%. Citizens National Bank ranks 142nd of 345 Texas banks on return on assets, in the upper half at 1.62% (Q2 2026). Citizens National Bank reported 1.62% on return on assets for Q2 2026, 0.36 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.18% |
| Tier 1 risk-based capital ratio | 17.18% |
| Total risk-based capital ratio | 18.43% |
| Tier 1 leverage ratio | 12.73% |
| Equity capital to assets | 12.33% |
| Tangible equity to tangible assets | 12.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 13.18% |
| Net interest margin | 3.81% |
| Efficiency ratio | 47.75% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.93% |
| Core deposits to total deposits | 90.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.30% |
| Securities to assets | 28.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.24% | 14.24% | 15.50% | 10.63% | 0.91% |
| Q4 2023 | 14.33% | 14.33% | 15.58% | 10.68% | 0.96% |
| Q1 2024 | 14.67% | 14.67% | 15.93% | 10.83% | 1.02% |
| Q2 2024 | 15.03% | 15.03% | 16.29% | 11.22% | 0.95% |
| Q3 2024 | 15.79% | 15.79% | 17.04% | 11.43% | 1.06% |
| Q4 2024 | 16.35% | 16.35% | 17.61% | 11.55% | 1.32% |
| Q1 2025 | 16.47% | 16.47% | 17.72% | 11.85% | 1.17% |
| Q2 2025 | 16.91% | 16.91% | 18.16% | 12.32% | 1.83% |
| Q3 2025 | 16.21% | 16.21% | 17.46% | 12.52% | 1.49% |
| Q4 2025 | 17.07% | 17.07% | 18.32% | 12.54% | 1.56% |
| Q1 2026 | 16.51% | 16.51% | 17.76% | 12.67% | 1.58% |
| Q2 2026 | 17.18% | 17.18% | 18.43% | 12.73% | 1.62% |
Citizens National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3127) · FFIEC NIC profile (RSSD 59352)