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 Reserve coverage of non-performing loans: 181.94 percentage points higher than in Q1 2026, at 10493.55%. Among 109 Tennessee banks, Citizens National Bank sits 7th from the top on return on assets, 2.07% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Citizens National Bank reported 2.07% on return on assets in Q2 2026, 0.79 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.08% |
| Tier 1 risk-based capital ratio | 15.08% |
| Total risk-based capital ratio | 16.27% |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.36% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 10493.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 21.36% |
| Net interest margin | 3.51% |
| Efficiency ratio | 41.81% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.43% |
| Core deposits to total deposits | 89.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.98% |
| Securities to assets | 22.69% |
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 | 13.18% | 13.18% | 14.22% | 10.15% | 1.64% |
| Q4 2023 | 13.57% | 13.57% | 14.63% | 10.11% | 1.57% |
| Q1 2024 | 13.46% | 13.46% | 14.53% | 10.02% | 1.16% |
| Q2 2024 | 13.52% | 13.52% | 14.59% | 10.44% | 1.42% |
| Q3 2024 | 13.92% | 13.92% | 15.00% | 10.23% | 1.64% |
| Q4 2024 | 13.77% | 13.77% | 14.80% | 10.03% | 1.75% |
| Q1 2025 | 13.92% | 13.92% | 14.98% | 10.11% | 1.51% |
| Q2 2025 | 14.20% | 14.20% | 15.28% | 10.52% | 1.82% |
| Q3 2025 | 14.31% | 14.31% | 15.43% | 10.58% | 1.75% |
| Q4 2025 | 15.07% | 15.07% | 16.22% | 10.84% | 2.30% |
| Q1 2026 | 14.84% | 14.84% | 16.02% | 10.78% | 1.93% |
| Q2 2026 | 15.08% | 15.08% | 16.27% | 11.17% | 2.07% |
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 20954) · FFIEC NIC profile (RSSD 717737)