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.
Loan-to-deposit ratio dropped 4.17 percentage points in Q3 2026, from 39.53% to 35.35%. It was the largest change from Q2 2026 among the key lines here. Within Texas, Citizens National Bank is 301st of 345 on return on assets, 0.68% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens National Bank sits 0.58 points lower, at 0.68% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.14% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.39% |
Asset quality
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 6.55% |
| Net interest margin | 3.86% |
| Efficiency ratio | 83.18% |
| Yield on earning assets | 4.46% |
| Cost of funds | 0.65% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 35.35% |
| Core deposits to total deposits | 99.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.00% |
| Securities to assets | 31.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 12.19% | 2.09% | 4.38% | 0.00% | 0.03% |
| Q1 2024 | 12.56% | 1.07% | 4.28% | 0.00% | 0.18% |
| Q2 2024 | 13.24% | 1.14% | 4.49% | 0.00% | 0.00% |
| Q3 2024 | 13.14% | 1.03% | 4.60% | 0.00% | 0.01% |
| Q4 2024 | 12.92% | 2.59% | 4.39% | 0.00% | 0.01% |
| Q1 2025 | 13.32% | 0.77% | 4.24% | 0.00% | 0.01% |
| Q2 2025 | 13.79% | 0.50% | 4.28% | 0.00% | 0.01% |
| Q3 2025 | 13.77% | 0.47% | 4.23% | 0.00% | 0.00% |
| Q4 2025 | 13.07% | 2.01% | 4.15% | 0.00% | 0.00% |
| Q1 2026 | 12.79% | 0.69% | 4.05% | 0.00% | 0.00% |
| Q2 2026 | 12.82% | 0.70% | 4.06% | 0.00% | 0.00% |
| Q3 2026 | 12.14% | 0.68% | 3.86% | 0.00% | 0.00% |
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 24085) · FFIEC NIC profile (RSSD 700252)